vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
This started at the end of XX/XX/XXXX when a supplemental tax bill was due and separately, when I spoke with one of their representatives regarding a refinance loan. First, I was under the impression that the mortgage company would pay that, but was not sure, so I sent a message through their website asking for clarification on whether that was the case or if I had to pay it. I sent this on XX/XX/XXXX hoping for a reply in the next couple of days since the bill was due on XX/XX/XXXX but I did not get a reply until XXXX. Since I did not hear from them by XX/XX/XXXX, I went ahead and paid the bill, only to find out on XXXX that they had supposedly sent a payment. Additionally, they informed me that because they paid this supplemental bill, the escrow portion of our monthly payment would have to go up to make up the deficit ( since there is a minimum amount of money required to be kept in the escrow account ). However, to this date, the county tax office still does not have any record of any payment sent by the mortgage company and as such I have requested that our payment go back to what it was previously. They have failed to respond to multiple messages I have sent with this request or asking what is going on with the payment at the county tax office has not received anything. Until yesterday, they had done nothing but simply said they would start looking into it. Then today I discovered that they sent another tax payment for a portion of the supplemental bills ( XXXX installments ), but not sure why that was sent prior to resolving the issue with the XX/XX/XXXX payment, which already included this. 
Secondly, we were considering refinancing our mortgage and made a call to them in XXXX to see what they could offer. The representative on the phone went through a series of questions and gave me some preliminary numbers. He asked if he could proceed with all of the info I had provided and do a soft inquiry on our credit report, and I said that as long as it was a soft inquiry, that would be ok. A few days later, we received a new loan document package for a loan application that was open on our behalf and noticed that a hard inquiry had been placed. I never authorized this, but they pointed the finger at the credit bureaus and the bureaus pointed the finger back at the mortgage company with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo holds escrow on the property to pay property tax and insurance. I received a letter dated 7 days before the insurance was due that they had not received the declaration page from the insurance company. When I logged into my insurance provider, the bill had not been paid and it was 8 days past due. 

I paid the bill and called Wells Fargo. After calling 2 different numbers and having to call back twice, finally reached a person. I explained the situation. They verified they had all my correct contact information for mobile number and email. They said they only contacted insurance company to try to get the bill. They did not contact me at all other than the letter that reached me AFTER the bill was due. 

I requested a refund of the insurance payment and they told me I would have to contact the insurance company. I told them I wanted a refund from the escrow and I also wanted to hold escrow going forward because I did not trust them to pay my taxes and insurance. 

After being transferred to 2 other people ( and almost an hour later ), I finally spoke with a supervisor. She told me it was the mortgage company 's policy ( they service the loan for XXXX XXXX ) that the load must be 2 years old. 

What are my options? I don't trust Wells Fargo and I don't have the time to deal with this situation on a regular basis. I need the insurance money paid back and I still do not know if or how they will do that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I purchased a XXXX Nissan XXXX XX/XX/XXXX from XXXX XXXX Nissan. The purchase price was a little over XXXX. As of today Ive paid XXXX in interest and XXXX in principle with a maturity date of XX/XX/XXXX for a monthly payment of XXXX. This should be an illegal practice to charge this much interest up front for any loan. I purchased the car under the impression I could trade it in after 9 months of I paid on time and my 18 % interest rate would be lowered drastically. When the time came I found out that wasnt true. NMAC then lowered my payment from XXXX to XXXX but extended my loan which I now see was another ploy to collect more interest. Now Ive paid XXXX k for a XXXX car that I can either return and take a XXXX loss or pay another XXXX to own. NMAC preys on people who may not know any better and at the time I didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cascade Capital, LLC
State: TN

Complaint narrative:
Truthfully, I wasnt sure which box to check because this company has stooped to almost every single one of them.

1 ) They have communicated after my asking them to stop via verified letter.

2 ) They have made false statements and misrepresented themselves 3 ) They sent a letter to my parents address thus improperly sharing my information 4 ) They have attempted to collect a debt not owed as I have no record of this bill and they said that they had closed the account due to an inability to verify it I submitted a complaint against XXXX for the same matter earlier this week. While their response was satisfactory, it is clear that it was not true as I continue to be contacted by XXXX Collections for the same alleged debt that XXXX attempted to collect and then subsequently discharged according to their response to CFPB complaint number XXXX. 

XXXX initially mailed a statement to my parent 's address in XX/XX/XXXX. When asked, the representative at XXXX said that they mailed a letter on the same date as XXXX despite me having no record of a second separate letter. Upon hearing this, I realized that XXXX and XXXX must be part of the same group and that he was talking about the same letter, but your representative assured me that that is not the case and that he has never heard of XXXX. When pressed further, your representative said that the debt no longer belonged to the original medical group he had initially said that it did and that Cascade Capital Funding LLC was the new owner of the debt. On XX/XX/XXXX, I called Cascade myself and asked the representative what their relationship to XXXX and XXXX was. She candidly said " Oh- that's us! We're all the same! '' Knowing this, it is clear that Cascade Capital, XXXX, and XXXX are all engaging in deceitful and fraudulent collections practices. XXXX assured me that the debt had been written off as of XX/XX/XXXX and that they would no longer contact me in large part because they could not produce sufficient proof to verify the debt, but it is clear that XXXXCascade CapitalXXXX have resumed their contact albeit under a different name and that they have escalated to lying about their practices. Should these deceitful tactics continue, I will have no choice but to escalate the issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXXXXXX On XX/XX/2022 I received a notification that someone applied for an account in my name and identity. However, it was not me. Upon this notification from XXXX I immediately filed a police report. I have also called XXXX XXXX to have the hard inquiry removed from the Credit report and the hard inquiry has not been removed going on two months now. Requesting for the hard inquiry to be removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX On XX/XX/2022 I received a notification that someone applied for an account in my name and identity. However, it was not me. Upon this notification from XXXX I immediately filed a police report. I have also called XXXX XXXX to have the hard inquiry removed from the Credit report and the hard inquiry has not been removed going on two months now. Requesting for the hard inquiry to be removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I opened this card on XX/XX/2022 I only used {$1.00} on the card with no problem. After a few weeks of having the card, FNBO have decided to stop me from logging in to make online payments & Telephone payments. After talking to several agents, I was told I'm not allowed to make payments until I submit documentation that was requested out of no where. I felt forced to submit my private personal documents such as, my paychecks and pictures of my SSN and ID in order to pay my account and avoid being late to not impact my credit. As of this moment I do not know when is my due date and they are not allowing me to make payments on my account which will cause me to be late on payment & eventually impact my credit. Overall, I was forced to submit personal documents in order to have the ability to pay my balance, and I'm still being asked for more documentation as part of XXXX discrimination even after submitting the initial requested documents. I DO NOT want to be an FNBO customer but i'm being forced to be a customer because of the unpaid $! balance that I want to pay. My lawyer is already aware of this situation, and if this bank institution does not allow me to pay my unpaid balance and it ends up impacting my credit they will pay the price.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: MI

Complaint narrative:
I submitted my police report to Equifax detailing a fraudulents account from XXXX and XXXX XXXX XXXX XXXX. The account numbers and fraudulent account details were included in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be removed pursuant to the Fair Credit Reporting Act, Section 605B. XXXX verified my name and social security number that has been breached and ignored my police report detailing the fraudulent accounts that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: FL

Complaint narrative:
XXXX, EQUIFAX AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THATS NOT MINE. THEY REFUSE TO DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal states " We apologize for the inconvenience,. Check deposits can not be made by eMessage, and this item is not negotiable for deposit at NFCU. So, in order to fully assist me in understanding and resolving the inconvenience, I request that NFCU provide me with a full disclosure of what NFCU negotiable instruments are because prior to the agreement/contract that we entered into, along with a representative of NFCU saying it was " too late '' because I signed the agreement as if I was bound to the document, but as I fully understand that we have duties and responsibilities to uphold prior to the agreement, as well as the statement made - Navy Federal is authorized to supply any endorsement for the company And any seen the story on any chick or other instruments tendered for the account ( s ). And that statement doesn't say what instruments they are, as if I should know what the other instruments are and if they qualify as instruments. 

Prior to previous phone conversations, including one that lasted XXXX at XXXX on XX/XX/2020, during which a representative by the name of XXXX was receiving information from a source named XXXX, and also my visit to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NFCU has never disclosed what instruments were negotiable and non-negotiable prior to the statements made by NFCU agents and the statements in the agreement any check or other instrument And I fully understand Commercial paper is a type of negotiable instrument, where the legal rights and obligations of involved parties are governed by Articles Three and Four of the Uniform Commercial Code

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Tower Loan of Mississippi, Inc.
State: WA

Complaint narrative:
im trying to get a vehcle with my info ssn, i, d but they denied my order i dont know why i really need it for my wedding ceremony its a loan of {$2400.00} pls help me get it done i trust you and really believe in you im really sure you will help me out i will give you info you need to get it done just get it done please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have file a dispute with Equifax for over a year to remove XXXX XXXX from my credit report. Equifax remove XXXX XXXX but added it back. I have been disputing ever since. XXXX and XXXX have both removed XXXX XXXX from my credit report. XXXX XXXX no longer have the account. It is not fait ti me for them to continue reporting an account they no longer have. I tried contacting them to settle the collection and they did not have the account anymore. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX AND TRANSUNION HAS ACCOUNTS ON MY CREDIT REPORT THATS NOT MINE. THEY REFUSE TO DELETE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Report Act, Caine & Weiner has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I had a credit card with Navy Federal credit union that started XX/XX/2015 the account was unsuccessful and the company wrote it off the action taken by navy federal along with the fact that the incident is more than seven years old qualifies the account to be removed from my credit report however during a recent review of my credit report i found that the same information is still there on XXXX, XXXX XXXX and XXXX I am requesting your assistance in getting my credit report updated thereby relieving me of any further damage to my credit history

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 2022-03-30 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: GA

Complaint narrative:
I share the same name as my father, and he's been using my information. How and why is an excellent question and has yet to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX, a transaction of mines was not approved so I called AMEX immediately to inquire why. They tried to lie repeatedly and said I had a return payment on my XXXX XXXX XXXX XXXX  of {$35.00} which was an absolute lie. I even called their bluff and had them 3 way call my bank the payment came from and the bank confirmed the payment came out on their end on the scheduled date of the payment. Showing there was an issue on their systems end! Instead they denied my credit limit increase citing the fake return payment excuse that was confirmed on their recorded line to be inaccurate. Ive been with American Express since 2018 with 6 cards, 3 high yield savings account and a rewards checking account plus a personal loan. Never late or returned payment now theyre trying to stick a fraudulent one on me to deny my credit limit increase!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: American First Finance, Inc.
State: TX

Complaint narrative:
The loan was taken out on XX/XX/2021 in the amount of {$1800.00} with American First Finance. THe loan was presented to me as a no interest loan for XXXX installments. i set an amount to be paid for XXXX the amount for each installment.We asked about a XXXX debt amount listed in the contract and it was explained that as long as we pay the amount in the XXXX installments we would not be charged. We did not recieve a statement and had to go to the website and request a list of transactions to find that a " Rent '' fee mate up {$98.00} of the charge. The word " rent '' does appear in the contract but does not display an amount to be charges. THis is clearly a hidden fee. We now have been charged the full amount of {$7100.00} on a {$1800.00} loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On Tuesday XX/XX/XXXX. Venmo froze my account without notice or explanation. I contacted customer service and was told to upload my drivers license which I did while on the phone. I was told by the rep they couldnt do anything and another department that would only contact me via email would have to look at my account. I have {XXXX} locked in my Venmo account t without reason. {XXXX} of that money was from my VA XXXX distribution and another {XXXX} was from my XXXX payment because I am a XXXX XXXX  XXXX vet. These are my living wages for the month and without explanation or a means to resolve directly I can not access them. I cant use my Venmo debit or transfer these funds to my checking account. 
My assumption is I use this acct periodically for my business I run and Venmo is upset I did not opt in for a business acct so they can charge additional fees. I did not even know they had a business Venmo until reading deeper I got heir help files. 
So without any notice, all my money has been stolen by Venmo

Company response to consumer: Closed with non-monetary relief