vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
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 non-monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XX/XX/2014, I refinanced my house thru XXXX XXXX XXXX. The terms of my new loan included PMI. Within 30 days it was transferred to Wells Fargo. PMI may be insurance for the lender but it is a charge, a fee, against the borrower. The monthly statements I received from Wells Fargo make NO mention at all of the PMI that is paid each month. The PMI is stated on an escrow statement that comes out once a year. I did not see my PMI for several months before I became aware of it being an active and monthly fee. I accepted the PMI from the lender who originated the loan, with the intent of cancelling as soon as possible. When its transferred, and no mention of it on the monthly statement, it leads one to believe possible removal or cancellation of PMI by the new lender. My credit score is excellent, above 800.  My monthly mortgage payment has NEVER been late. All other businesses are required to show all monthly charges and fees on the monthly statement. It appears Wells Fargo is not being 100 per cent up front about fees and charges with their mortgage customers. I think its a bit sneaky how they hide this fee with the other escrow funds held aside for property taxes and home owners insurance, and then communicate this once a year to the borrower. I have made several calls to Wells Fargo, and have written two letters. One of which will be attached here, along with a mortgage statement. ( The other letter got deleted but was the same message. ) I have requested that they re fund me the PMI that was paid over 5 years of this mortgage loan, due to Wells Fargo 's failure to properly communicate fees and charges on the monthly mortgage statement. I have also asked them to return the 2 original mortgage statements that I sent to them for review. They have refused to send them back offering copies instead. I TOLD THEM, you can make copies for YOUR records, send back MY original documents. I have had two conversations with XXXX, and several with XXXX XXXX. XXXX XXXX is no longer returning my phone calls. I have left several messages. Terrible customer service. I am filing this complaint after several phone calls and letters with Wells Fargo, also giving them a chance to correct this well before I file a complaint here with the CFPB. In conclusion, charges and fees MUST be communicated on the monthly mortgage statement, like all other businesses like airlines, hotels, car rentals, wireless cell phone bills etc. Send me my money back! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Around XX/XX/2020, I spoke with a Home Preservation Specialist at Wells Fargo named XXXX XXXX in regards to applying for assistance with my mortgage. I have had a hardship and I am currently going through a divorce. I explained to XXXX that my divorce is not final and that my soon to be ex husband who is also on the loan, no longer lives in the house. Due to the loss of income, the home is not affordable, but I am being granted the home and I am the person living in the home and trying to maintain the mortgage payments. XXXX advised me that I would need to complete the Mortgage Assistance form, provide a pay stub, and in lieu of the divorce decree, because the divorce is not final, that a recorded quit claim deed would be sufficient in order to be reviewed for a loan modification or other assistance programs. I advised XXXX that there would be a delay in getting this recorded quit claim deed because I would need to go through the attorneys due to the active divorce proceedings. She indicated that this was okay, and was needed to move forward. 

Fast forward to XX/XX/2020. I finally have the recorded quit claim deed and I upload this last document to Wells Fargo. To my surprise on XX/XX/2020, I am now being told that I am going to need a divorce decree to be further reviewed by underwriting for any assistance programs. I expressed my dissatisfaction of this because I just spent hundreds of dollars that I didn't have to have this quit claim deed prepared, and the cost to have it notarized and filed and recorded with the county. I was told that they are sorry that I was informed of the wrong information that a divorce decree is needed as well as a quit claim deed. That the underwriter wants to see that the judge awarded me the property?! How is this even legit when the quit claim is the other homeowner giving up his rights to the property. Obviously, I am the only person left on the deed, the only owner of the home! How would the judge go back and grant the property back to someone that doesn't want it ( signed a quit claim deed ) and that doesn't currently occupy the home?! 

I was informed by XXXX who is a manager, that she was sorry, but there is nothing they could do. This is ridiculous. I have just wasted time and money getting this quit claim deed as I was instructed to do.

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 2020-03-06 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:
I contacted all three ( 3 ) credit bureaus numerous times in regards to my social security number being compromised. I have let them know each time that I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX via the XXXX XXXX police department. I have been advised they may contact them at ( XXXX ) XXXX to verify the report and have informed them of this in each request. I have asked each time for them to remove and block all information from my credit report that I included in each request, and to send me a copy of my credit report proving they have done so. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX  - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Opened XX/XX/XXXX XXXX XXXX Credit Card - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX BANK XXXX XXXX  - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX/XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX I asked them to remove and block all information resulting from identity theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within four ( 4 ) business days of receipt.

Again, I also asked them to please send an updated copy of my credit report at no charge as the act says there should be no charge for this updated report. I also requested that they please send notices of corrections to anyone who received my credit report in the last six months.

The only responses I have received are generic responses saying these items have been validated. I have requested numerous times for them to provide proof of how they obtained validation and have received no response.

According to the Fair Credit Reporting Act, Section 609 ( 1 ) ( 1 ) ( A ) they are required by federal law to verify, through the physical verification of the original signed consumers contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent 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 2020-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY

Complaint narrative:
Received a bill from Balanced Healthcare Receivables at  the beginning of XX/XX/2020. I called XXXX XXXX at the number to tell them to cease and desist or I would contact CFPB. They said okay. I was fine with this acknowledgement. However, after contacting the originator of the healthcare fee listed on document to follow up, XXXX Hospital, the Hospital billing department told me that I had a {$0.00} balance. That made me think that this mailing was a scam so I wanted to contact you regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
On XX/XX/2020 Security Finance of XXXX contacted my mother ( I am XXXX years old so definitely not a minor ) because she was on my reference list. They then disclosed exactly how much was overdue on my account and how late it was behind. My understanding is that this disclosure of information is illegal since I am not a minor. I have not given them permission to discuss my account information with anyone other than myself.

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 2020-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
Money Lion has a instant feature for paying off a loan. It's instantaneous by credit or debit card. They are taking days to complete the transaction like an ACH. This is not the description of the product presented. Money Lion needs to honor what they present as products. They are falsely representing the services they market.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I CALLED IN TO FEDLOAN TO INQUIRE ABOUT BY MY PAYMENT HAD INCREASED SIGNIFICANTLY AND WAS ASKING TO OBTAIN A MORE SUITABLE PAYMENT. I WAS TOLD I COULD APPLY FOR A NEW PAYMENT PLAN. I PROVIDED ALL MY INCOME INFORMATON, MADE A PAYMENT AND WAS TOLD TO WAIT 45 DAYS FOR AN ANSWER. I RECEIVED AN EMAIL A MONTH LATER SAYING THAT MY APPLICATION WAS DENIED. THEN I LOGGED IN AND IT SAYS MY LOANS ARE DEFERRED UNTIL XXXX AND THAT MY MONTHLY PAYMENT WILL BE {$0.00}. WHEN I CALL IN I FOUND OUT SOMEONE HAD SUBMITTED AN APPLICATION WITH ME WITH FRAUDULENT INFORMATION LIKE CLAIMING ADDITIONAL DEPENDENTS AND NO INCOME. MY SIGNATURE WAS FORGED ON THESE DOCUMENTS THAT I FINALLY OBTAINED FROM FEDLOAN. IN THE MEANTIME I AM INCURRING TONS OF INTEREST AND AM UNSURE HOW TO PROCEED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX my late mother took out a {$500.00} CD from XXXX XXXX XXXX XXXX XXXX, who merged with Bank of America XX/XX/XXXX. About a year ago I uncovered the CD, which was never cashed, and all relevant documents. When I reached out to BOA, their response was we can't find the account or the funds. I have been in constant contact with BOA for some type of resolution. I mentioned my situation with one of my Federal Civilian customers and they stated what BOA is doing is guilty of mismanagement of funds for the following reasons : 1 ) Funds can not be withheld if the CD has matured, 2 ) And/Or on the CD have right to the funds, and 3 ) It is illegal for BOA to hold the funds. I am constantly in contact with all of the relevant Federal agencies ( OCC, FDIC & CFPB ) & I keep running into a brick wall. Because BOA is the largest bank in the nation, it seems they are being sheltered for their illegal practices. I understand my the amount I'm looking to recoup is small in comparison with some of their larger customers, but I feel I deserve to receive what belongs to me. If necessary, I can provide the original documents via email.

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 2020-03-06 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: Navient Solutions, LLC.
State: WV

Complaint narrative:
Navient is showing on one credit report that I have missed five late payments and I have not. My loans were in deferrent until XX/XX/2020 when I started paying on them. They need to update this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
I was working for XXXX XXXX and seized employment in XX/XX/XXXX. I didn't receive notice of my balance owed to the company. I stopped working for this company because I wasn't making enough to support my family. Lockhart Morris and Montgomery contacted me in XXXX but I was unable to make payments at the time. I called them and offered a settlement amount and they declined. Since they declined, I offered to create a payment arrangement and asked for documentation of it and they also declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
This all began when there was a movement from XXXX  XXXX XXXX to SLS for our HELOC. During this time, it seems that BoA misplaced the payment I made XX/XX/XXXX, and when the loan moved to SLS  on XX/XX/XXXX, there was a huge confusion about the statement amount, as my payment did not register with SLS. 

A lot of back and forth, I called SLS and they told me to make half payment to keep my account current. After making that half payment, I was told I was under foreclosure notice. I finally just made the other payment while still investigating the missing payment, and then the fee of {$0.00} was added. I can only pay in {$1.00} increments, so I had to pay {$1.00}. 

Then another {$15.00} was added. I inquired what this payment was, and they said it was due to the {$15.00} fee adjustment that is made when " someone comes out to see the property '' when under foreclosure notice. 

I then paid this fee. 

Later, I did not see this fee disappear, and was later told that this payment was added to the principal, as there is no way to apply the payment to the fee unless specifically noted. There is no way to pay to the fee online, as it automatically adds to the principal. 

This seems predatory, as had I not checked, then I would still be " in the red '' perpetually. This company which has millions of dollars, can not fix their website to be able to pay to the fee?

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 2020-03-06 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: Avant Credit Corporation
State: OK

Complaint narrative:
Called in on XX/XX/2020 to Avant Credit Card customer service asking to get my pay off balance. I was informed the pay off was XXXX ( which was the same balance on my phone app ). I hung up went on the app and paid my balance in full. Then on XXXX I was checking to make sure my payment ( that had already cleared my bank ) was posted and that my availability was back to to credit limit. Upon signing in there was a payment of XXXX  on my account and the payment was still not reflected. I called and spoke to customer service and they could not explain things so I asked for a supervisor. A supervisor named XXXX? Called me and stated that my payment posted on XX/XX/XXXX but, interest was generated on XX/XX/XXXX. I explained that because I paid it off there was no balance to charge interest on. I also asked why the balance was not reflecting my payment even tho its cleared the bank and she can see it was received. She said they hold it 10-15 days to make sure its cleared. I told her that is not right and I do not feel Im responsible because I think they are drawing this out for the companys benefit. I asked for someone above her and she told me there was no one above her. I said so youre the top person at Avant? She said no just of this department. I asked who else I could talk to ... she said you want to escalate this and I said yes. She then typed an email and told me it would be 15 days before I could hear from them. I told her that in the mean time I would be filing a complaint with consumer finance ... the response I received was ok Any questions please call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: WV

Complaint narrative:
XXXX is showing on one credit report that I have missed five late payments and I have not. My loans were in deferrent until XX/XX/2020 when I started paying on them. They need to update this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
XXXX is showing on one credit report that I have missed five late payments and I have not. My loans were in deferrent until XX/XX/2020 when I started paying on them. They need to update this 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 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was trying to secure a home loan. I was told by the lender to transfer a {$7000.00} deposit into their account. I transferred the money from my Bank of America account to their Bank of America Account on XX/XX/19. Later I found out that the lender was a scam and never returned my money. I tried to file a claim in court but all the address I had got sent back. I've gone to the Bank of america 3 times and spent hours on the phone with their fraud department. I have been told there is nothing they can do. I am requesting help to get my money back, freeze the account that I sent the money to and to provide information about the recipient or account holder so I can continue my pursuit in court. I have also filed complaints in 2 different police department and have heard nothing in 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 2020-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I contacted Capital One to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One Capital One credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX  improperly reporting chapter XXXX bankruptcy on a lHELOC that was sold to XXXX XXXX XXXX and paid in full in 2018.

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