vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This complaint is about a specific late fee policy with Bank of America Visa. I have already paid the fee, so that I can promptly and cleanly close my account. However, this particular policy seems like it should be illegal, and other people should not be taken advantage of going forward. Here are the details : My XX/XX/XXXX bill had a balance of {$89.00}, due by XX/XX/XXXX. 
My card has a cash back feature. Cash accumulates in your account until you either apply it to your bill, or request a check. I chose to apply {$89.00} from my cash back to my bill. It was credited to my account on XX/XX/XXXX, bringing my account balance to {$0.00}, prior to the due date. 

B of A then charged me a late fee of {$25.00} on my XXXX bill, and flagged my account as being past due, even though the balance was XXXX! I called B of A on XX/XX/XXXX for an explanation. They said that I still owed the minimum due amount, even though the balance was XXXX! The original person I spoke to also didnt understand this policy, and checked with their manager. They maintained that I would have had to pay {$25.00} more than was due! 

Nobody would interpret their still owe the minimum due policy in the same manner as they do. This policy seems to be aimed specifically at collecting additional late fees, from people who will not notice it, or will not contest it. If they really want a minimum payment from outside of the BofA account, then they should explicitly say so. As it stands, BofAs policy seems predatory, and should be illegal. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hello, I have been on forbearance plane due lost my job in COVID-19. My loan server was XXXX XXXX. On XX/XX/2021 we have reached to an agreement to modify the my mortgage modification, we went throw the modified agreement/contract. My monthly payments modified to be suitable with my current financial situation which it is {$1700.00} a month. I started the payment trial period, I submitted my first and second monthly payments on time. When the third and last trial payment approached I called XXXXXXXX XXXX to make my last trial payment and they refused to take the payment due the change of loan server to Shellpoint. 

I called Shellpoint to make the payment and they refused to take the payment due to the documents was still not received from the XXXX XXXX. They asked me to send the modification agreement to them so they speed up the process. I forwarded the loan modification to Shellpoint and I tried to call the point contact for my loan and she never called me back, I kept calling customer serves and they transfer me to the point contact but she never answer or called me back. 

I recently received a letter for loan modification they did on their own that I have no idea what are the terms of modification they did but I know the monthly payments jumped to {$2700.00}. Again called them and sent email and I have no answer at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The information on these reports are incorrect misleading and against the the law. This account has in accurate information and this debt is not owed but is alleged. 15 usc 1692g collections alleged debt .all debts belong to the US therefore there is no debt that I as the consumer owes. This debt has already been paid. This has affected me in so many ways, my life has been altered by this incorrect information.

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 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Responded to a missed call. I identified myself as a person with the same name they were looking for. They wanted private information from me and all I was willing to give was the year of my birth. The representative said they would not remove my number and would continue calling because I " refused to verify all my information ''. I advised them that I did not want them calling anymore and they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cadillac Accounts Receivable Management
State: MI

Complaint narrative:
XX/XX/2021, I received this text message from phone number ( XXXX ) XXXX : Hi this is XXXX from Cadillac Accounts Receivable Management. We are trying to contact XXXX. Please call or text me at this number to assist with your account. This is an attempt to collect a debt by a debt collector ; any information obtained will be used for that purpose. Please know that we do not want to add any stress to your family during this time and understand that personal and family necessities come first. We are here to help you through this difficult situation. Text STOPALL to opt out of SMS. Text PAYMENT to pay online. 

I have never owned a XXXX so this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a Heloc with BMO Harris on XX/XX/XXXX, were a rate was agreed based on estimated Credit score and appraised value. After waiting all the way until XXXX to be able to close as they had delays with appraisal, they finally send me the closing documentation with a date of XX/XX/XXXX with a higher rate. I called them to understand why the rate changed and they explained that the appraisal came for a lower value and the XXXX was higher, hence the change in the rate. So I requested them to lower the loan amount to keep the same rate as the original loan amount and they said the commitment expired on XXXX and they could no resubmit to underwriting. The only solution was to submit a new application. So not only the loan was delayed due to their process, a change in rate was not disclosed before closing, and they tried to force me to a higher loan amount and higher rate due to a " regulation ''. I placed a call to the supervisor and never received a call. I sent an e-mail to the loan specialists and still waiting for a response.

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 2021-12-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
The information on these reports are incorrect misleading and against the the law. This account has in accurate information and this debt is not owed but is alleged. 15 usc 1692g collections alleged debt .all debts belong to the US therefore there is no debt that I as the consumer owes. This debt has already been paid. This has affected me in so many ways, my life has been altered by this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
XXXX XXXX reported me late in the month of XXXX and XXXX when in fact I contacted chase and made both payments over the phone before the due day then after payment was behind chase contacted me and told me that received an erro code when they tried to process the payment. My thoughts are if a company is having a hard time collecting a payment from by bank I would think they would have contacted me sooner with the information thats why I wind up making two payments. this is not my fault. 

Apple Card is still charge me for payments that are not mine and on payments that has been refunded. Then XXXX  reported me late when I was informed that all payments would be paused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021 at around XXXX, I went to Citibank online banking to check the balance of my personal checking account which I always monitor on a daily basis. Later in the afternoon at around XXXX, I went online again and saw that my personal checking account says, " BLOCKED ''. I immediately called Customer Service but did not give me any details. I drove to the nearest Citibank Branch to find out what's going on but no details appear on my account. I called Customer Service again and was transferred to the Fraud Department which in turn did not disclose the details why they blocked my account. I was merely told that the account was referred for closure and that a check will be sent to the address on file after 60 days. This is very disappointing that I can not withdraw my funds especially when it happens to be during the holidays. I have been calling numerous times to the Fraud Division but after verification of my identity, they do not disclose the details except telling me a check will be mailed after 60 days. I confirm and attest that this account do not have any fraudulent activity. This was a newly opened personal account on XX/XX/2021. I opened this new personal checking account after my joint checking account with my sister was compromised with unauthorized ACH transactions. They blocked it and we opened another joint account in XX/XX/2021 because they were going to close the old account which I've had for more than 20 years. A month later, the newly opened joint account was compromised with forged checks so it was blocked again for fraud investigation. About this time so I can proceed with issuing checks and paying my bills, and direct deposits, I opened a new personal checking account. In the course of signing an attestation re my other joint account, my joint account went back to active and Citibank released the block. However a month later, Citibank blocked my newly personal checking account for no reason. It's been 9 days, with daily follow-up and numerous calls. I am not given any reason. There has been no fraud reported in my personal account and I don't understand why. I am worried because I've been reading similar complaints without getting their funds back. It has been a very frustrating holiday. Please help 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 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2021 I sent a wire to my attorney 's office XXXX XXXX XXXX XXXX. I did not know that someone had hacked their email address and altered the wiring instructions. on XX/XX/2021 the attorney reaches out to me to tell me they did not receive the wire. It was at the moment we realized the wire instructions were fraudulent. The money had gone to Wells Fargo from XXXX XXXX. I immediately reached out to both XXXX XXXX and Wells Fargo. XXXX XXXX was extremely helpful and began contacting Wells Fargo as well. 
Wells Fargo was NOT HELPFUL AT ALL and still is not being helpful. They will not even return my calls anymore, and the issue is not resolved. 
Myself and the Bank contacted Wells Fargo on XXXX through multiple channels... the wire department, the fraud department, a local branch, voice messages, emails, etc. When I finally was able to speak to someone they gave me a " timeline '' of events and told me that we notified them on XXXX but that they did not start working on it until XXXX. Why would they wait that long? 
A friend in the banking industry had a contact at Wells Fargo who told me that because the name on the account was an individual 's account and the beneficiary of the wire was a business, this threw up a red flag. That admittance had me HOPEFUL. 
XXXX in the Fraud Department finally tells me " on a recorded line '' that they are REQUIRED by Regulation J to accept a wire even if the beneficiary does not match. I have since found out that is completely false. They CAN accept the wire, but they do not have to as she stated. 
XXXX XXXX recalled the wire and Wells Fargo only returned {$200000.00} of the {$350000.00} that was sent to them. They said the other funds had already gone out including two large checks that were cashed, one to the account holder himself. They took absolutely no action to try to stop or get that money back even though they knew it was fraudulent. 
We are working with our local police department, and they have even told us how unhelpful Wells Fargo is being in helping solve the case and recover our funds. They have a search warrant that was provided to WF, yet still they are not helpful. 
I would like someone to CALL ME. Once XXXX told me the {$200000.00} was coming back, she was done with me. She will not return my calls or answer my messages and my questions about the remaining. 
I have never felt so poorly treated or dismissed by a financial institution. I feel like I am being discriminated against because I do not have a lot of money and am not a rich person who can make them a lot of income. Because they know {$350000.00} is my entire life savings, they could care less about me and my problem. If I had millions of dollars in their bank, I am sure I would not be treated like this.

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 2021-12-29 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, Pain, Emotional Anguish, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Allegiant Capital Recovery LLC
State: MD

Complaint narrative:
Allegiant Capital Recovery called me for several months from various numbers and contacted my family members with harassing calls after I told them not to. I never even verified myself and told them I wasnt aware of the debt that they spoke of because I generally didnt and they still continued to harass me and contact my close family members. They were so rude over the phone and told me I sounded and seemed like I fit the demographic which I found to be very XXXX. I want them to leave me alone, seeing that I have no knowledge of what they speak of, more professionalism before I have to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2021 after a 45 day investigation Capital One Consumer Advocacy, Capital One Secured card account services failed their fiduciary responsibilities concerning specific accounting irregularities in the instruments provided by the alleged original creditors. At this time they fail to make any valid claims and insist on having authority when there is none and they are participants in willful fraudulent accounting practices. I HEREBY RESCIND, CANCEL, TERMINATE ANY AGREEMENTS BETWEEN THE PARTIES! A demand for the FULL ACCOUNTING IS MADE AND WARRANTED as outline in irs publications 585. Your continued misappropriation of this financial accounting is warranted. Prepare and submit the necessary documents for closure of this accounting to include all 1099s, statements, credit insurance, pay-off disclosure, interest disclosure. Thank you in advance for your most prompt attention to my worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
carrington mortgage has incorrect information reporting on my credit report. These late payments are affecting my credit file. i asked them to investigate within 30 days and I still havent heard any results or update from them. Its been 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I am ready to pay off my loan and the bank which is Santander consumer USA, has charged me over XXXX dollars in late fees even though it was not 30 days late. The XXXX on this loan is 16 % so they already made thousands of dollars off this loan. I called in today XX/XX/29 to try and have them waived and spoke to XXXX with employee number XXXX and she refused to wave any late fees. I asked for someone else I was transferred to XXXX employee number XXXX and he said only {$50.00} could be waved but did {$100.00} as a courtesy. To me thats not enough based on the XXXX. I want all late fees waved and I will make the final payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Needed to dispute a transaction. Called Wells Fargo and they eventually escalated me to their claims department who listens to my problem and told me to call back within a few hours without giving me a claims number or reference. Called back and they told me my claim was denied because I did not attempt to cancel a order that was unshipped within him their 3 day time frame. These rules you can not find anywhere in their official policies.

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 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hello I just wanted to have this complaint captured so that everyone is aware of how unprofessional first American title was! I had a horrid experience with an agent by the name of XXXX XXXX, she works specifically with escrow at this company. She works at the XXXX XXXX XXXX and has got to be removed from being near a phone by all means! She shouldnt be allowed to be interfacing with potential clients or existing ones. She made a significant amount of XXXX XXXX while forgetting to place herself on mute and have a colleague of hers partake in this conversation. As a person of XXXX  ethnicity it made me sick to my stomach that this company has not only failed to be diligent in acknowledging my concerns but responding that my concern has been heard and action is going to take place! I have sent numerous emails asking for someone in management to get back to me and my messages go unheard. Im doing this in hopes that someone will hear me. Someone will give me a proper response. Do not bring your business here!

Company response to consumer: Closed with explanation