vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX  my wallet was stolen. I contacted the credit card companies and informed them of the thief. I asked for my account to be frozen and to not allow transactions. Most of the card companies complied and where very helpful, however for what ever reason a couple of the cards allowed transactions and placed me in debt. I tried to work with them and bent over backwards trying to keep the accounts paid until they could fix my account. I asked for a fraud investigation on the transactions and nothing was done. I was forced to work with a Debt Consolidation Company to try ad salvage my credit. The accounts discussed have been paid as agreed. XXXX XXXX  has kept an amount on my credit which has been paid through consolidation even though they caused the balance by not freezing my account when my property was stolen. 

They received and agreed amount and with this they agreed to report paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. 

XXXX XXXX shows the account as paid, however they should be reporting paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. XXXX XXXX let several transactions through before they froze the card as well. 

Capital One corrected the account however the reporting is incorrect. They need to update the account to paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance paid as agreed. They are still in the process of trying to give me back the settlement amount paid as it was due to thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX  my wallet was stolen. I contacted the credit card companies and informed them of the thief. I asked for my account to be frozen and to not allow transactions. Most of the card companies complied and where very helpful, however for what ever reason a couple of the cards allowed transactions and placed me in debt. I tried to work with them and bent over backwards trying to keep the accounts paid until they could fix my account. I asked for a fraud investigation on the transactions and nothing was done. I was forced to work with a Debt Consolidation Company to try ad salvage my credit. The accounts discussed have been paid as agreed. XXXX XXXX  has kept an amount on my credit which has been paid through consolidation even though they caused the balance by not freezing my account when my property was stolen. 

They received and agreed amount and with this they agreed to report paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. 

Wells Fargo shows the account as paid, however they should be reporting paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. Wells Fargo let several transactions through before they froze the card as well. 

XXXX XXXX corrected the account however the reporting is incorrect. They need to update the account to paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance paid as agreed. They are still in the process of trying to give me back the settlement amount paid as it was due to thief.

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 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted to USAA an additional principal payment be made on my mortgage on XX/XX/XXXX. On XX/XX/XXXX, they incorrectly applied a part of these funds to interest instead of the full amount to my mortgage 's principal, which has also happened several times during XXXX. I filed a XXXX  complaint then and was told that the issue had been resolved, but it apparently has not. When talking with the representative, he stated that neither XXXX nor USAA had the ability to escalate this issue nor open a ticket to keep me informed of fixing their system to correct this in the future. As USAA continues to steal money ( via charging me extra interest ) from me ( and likely thousands of others as well ), I would like to be paid for my time of having to monitor my payment activity monthly as USAA is incapable of doing their jobs correctly as well as for my time having to call in and have the charges reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was contacted by 5/3 bank as the President of our HOA demanding that we provide the bank with all applicable insurance information and also requiring for us to disclose PII of the officers of the HOA. The HOA was involved as part of a refinance obligation of a resident. After we had declined the bank told us it was against Federal Law to block this. As a private entity, we are being harassed by the bank and also they are stepping out of line in regards to demanding information and PII of officers in regards to third-party transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized reporting and inaccurate accounts reported from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I've been disputing an account with XXXX XXXXXXXX XXXX, TRANSWORLD SYSTEMS INC Account # : XXXX, which is a paid medical account that has been disputed. There is a law that prohibits such reporting called XXXX, and I believe the CFPB is the proper arbiter of such cases. XXXX has repeatedly violated my consumer rights granted under XXXX, and you should make them pay for their infraction!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC
State: WA

Complaint narrative:
This debt has been paid, however it was from 2008 and there is no way to provide proof as it is too old, I just received info on this last year which makes it 13 years old. How? How do you fight that?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo states an additional checking and savings account were opened under my name with my correct SS # but the phone and drivers license information was incorrect. It was caught early and the account has been closed. Wondering why they would open an account with mismatched information. I also wonder if this is similar to previous behavior of opening up false accounts.

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 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I was approved for Aspire Credit card with a XXXX credit limit. They have already charged me XXXX activation fee and yearly fee. I was able to use it twice. Since then have called them 3x bc purchases are being denied. They say a hold was put on card. But there is no reason for a hold.They have not cleared hold. I informed them there has been no fraud. It seems they are a con to prey on low credit score XXXX people like me. They are supposedly through the XXXX XXXX XXXX Called them on XX/XX/XXXX, XX/XX/XXXX 2x, and XX/XX/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 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: CO

Complaint narrative:
I have an escrow account with New American Funding, they have not paid my home insurance. My insurance company XXXX XXXX provided a bill in XXXX of 2021 and it was due in XXXX. In XXXX, I received an email indicating payment had not been received to the insurance company. I spoke with a rep at XXXX XXXX. XXXX and they indicated they would overnight payment to insurance company. I follow-up and they indicted it was sent. Yesterday, XX/XX/2021, I received a letter indicating payment was not yet received. I called and spoke with a manager and they acknowledge this issue and that the error was on their side.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
I recently received an escrow analysis from my mortgage holder. They claim that my escrow account has a shortage of {$1200.00} but according to my calculations, I should have a positive balance of {$780.00}. 

I have attached 5 financial documents to this complaint. Please reach out to me should more information be needed. 

According to the mortgage holder 's own records, I had a positive balance of {$1900.00} on XX/XX/XXXX. Since that time I have made an additional {$2400.00} in escrow payments, making the total of XXXX payments and the XXXX balance {$440000.00}. 

The expenses for this account total {$3600.00} for XXXX according to the lender 's own documents. My total of payments for XXXX and the ending balance on the account at the end of XXXX ( {$2400.00} + {$1900.00} ) should total {$4400.00}. If you subtract the {$3600.00} expenses for XXXX, that should leave a POSITIVE balance of {$780.00}. 

This lender has paid my property taxes LATE on at least two occasions which caused fees of several XXXX dollars. I should not be responsible for these fees. Still, such fees would not account for such a large discrepancy in records. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America will not work with me. My account is 6 months past due. However, they are saying it's only 2 months past due. What they are doing is charging fees and late charges again for month 1 and month 2. They advised they have to reset the account back to 1 month past due in XXXX. because they thought I had died. The account, had gone to estate back in XXXX. I never died. All I want to do is resolve this. I am not going to pay {$220.00} month in late fees and late charges. For some reason they called the wrong number to get the wrong info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation
State: SC

Complaint narrative:
Receivables Management Corporation, This third party collection agency has attempted to collect a medical debt from me. They have sent me an itemized statement with all medical procedures done which is in violation of Hippa. I did not authorize Receivables Management Corporation to have access to my medical records which is in violation of my privacy rights. 
List date : XX/XX/20 Amount : {$1000.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
My original mortgage lender ( XXXX  ) sold my loan to Flagstar Bank. Simultaneously, I started working with XXXX XXXX  to refinance my loan. This is important to note that I did not choose to engage in business with Flagstar. XXXX XXXX paid of my loan on XX/XX/21. See attached documents for entire history with Flagstar. The payoff amount that was sent created a refund of XXXX, plus an escrow balance of XXXX created a total refund owed to me of {$4000.00}. I had never needed as refund before so I call Flagstar around the XXXX of XXXX and ask how it would work. They said they had 20 days to return the money and the check was scheduled to be mailed on XX/XX/XXXX. On approximately XX/XX/XXXX I received the original promissory note showing the loan paid off but no check. Per the envelope it was mail on XX/XX/XXXX. I called back around the XXXX and ask why I hadnt received the check with the note. They said the check could take the mail another 15 days. This made no sense. After having not yet received the check as of XX/XX/XXXX, I called back. A stop payment was put on the check and I was told a new check was going to be mailed out. I asked if the check could be sent XXXX  with tracking, ideally overnight. XXXX  manager was supposed to call me back. I did not get a call. After waiting 8 days and still no check I called back on the XX/XX/XXXX. I was told the check was created on the XX/XX/XXXX, but a manager was supposed to call me back to see if the funds could be wired. On XX/XX/XXXX, I called back and was told the check had been mailed on the XXXX. I asked for a wire to be send instead because the original check never made it to me, even after stop payment and the second check already appeared to be lost. The second check hadnt yet arrived after 5 days after the promissory note proved the mail only takes 2 days from Michigan to Colorado. The reps have lied, been deceitful, have not address the issue, are non-compliant with the regulation around refunds by mortgage lenders. They have placed the blame on the postal service and refused to seek alternative remedies such as wire transfers or XXXX  with tracking. This attitude extended all the way to the most sr. manager ( that I know oversees other managers ) of the payoff department named XXXX. Honestly, I feel they are holding my funds and using excuses. Returning my funds should not be this hard and I need help. This could go on indefinitely. {$4000.00} is enough that can cause hardship when a person still has another mortgage.

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 2021-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A scammer induced me to XXXX money by pretending to be our electric utility company. After I realized the scam I called my Bank and XXXX. Both refuse to help. The Bank has identified a bank account associated with the scammer but can not /will not refund the money or give me any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: GA

Complaint narrative:
I have been working with Better.com on a refinancing my property XXXX XXXX XXXX XXXX, XXXX, GA XXXX where the going price per square foot for selling properties ranges for comparables between $ XXXX $ XXXX XXXX. 

Despite several attempts to dispute the clearly bias appraisers decision of placing my property at $ XXXX ft ( despite a full home renovation an upgrade ) they have placed excuse after excuse on how they can not provide a fair and accurate appraisal. There is clearly bias and descriminatory factors taking place. 

Appraiser was also 2 hours late while I sat there taking off work, spoke in person about how nice and updated the house was then in the report states it's in average or below condition for the area it's in ; however long standing citizens of this community who visited the home have stated it's one of the nicest in the neighborhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Synovus Bank
State: PA

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on FSTPROGRESS. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : FSTPROGRESSXXXX-Balance $ XXXX-Date Opened : XX/XX/2018 FSTPROGRESSXXXXBalance $ XXXXDate Opened : XX/XX/2018 FSTPROGRESS-XXXX-Balance $ XXXXDate Opened : XX/XX/2018 FSTPROGRESS-XXXX-Balance $ XXXX-Date Opened : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
Filed original refinance in XXXX of XX/XX/2021, today is XXXX of XX/XX/2021and its still not done. I keep receiving various excuses and have had multiple people help me. They constantly do not notify me on updates and do not communicate with me regarding the process. 8 months later they are still giving me the runaround. Next they ran my credit by misinforming me my file has been closed and I need to restart the process, which is false. Next they said they would waive the appraisal because of the value but they come back and say they have no choice to do it. Ive had multiple values given for the house and nothing seems to make sense with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Contacted Bank OF America in reference to consumer account XXXX. In regards to U.S. Code 1692, U.S. Code 1692f ( 6 ), also FDCPA U.S. Codes 1681n ( b ) also subsections of this code section 805, 806, 807, 808, 809. They are also in violation of FCRA regulation and in violation of HJR 192 of 1933.

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 2021-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Garcadia Financial LLC
State: TX

Complaint narrative:
Foursight Capital is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft.

15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

Foursight Capital has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Foursight Capital has furnished information associated my my social secutiy number which is a credit card pursuant to 15 U.S. Code 1602 ( l ). Foursight Capital has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan.
15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company response to consumer: Closed with explanation