vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
We received an escrow Statement dated XX/XX/2022. It is incorrect and included a tax line that is not accurate. It seems the bank misread the tax bill and added over 50 % to our total, and is attempting to collect not only an escrow shortage but a higher escrow amount based on the wrong tax total. We have called every week since, and spoken with multiple reps. We have a case number. Each week, each rep goes through the same process and realizes that the tax amount in incorrect. They have the tax bill we submitted on file. They then send a request to whomever to update the tax line and to re run an escrow analysis. There is never any follow up. Every week we call back and we are told nothing has been updated, or the escrow analysis was denied, and the whole thing starts over. We have been at this for over a month and after wasting hours, are nowhere. We have lost all faith in this mortgage servicer -and it was not one we chose but one who bought our loan. This needs to get resolved as we are not paying money we do not owe.

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My credit card was charged for the wrong amount by a vendor who on the credit card statement appears as " shakentechcom ''. I was sent a promotional message containing a link to website selling items at a discounted price. I ordered merchandise displayed for about 37 dollars. I did receive the items which were much lower quality than the displayed images on the website implied. My credit card was charged for XXXX dollars instead of the displayed amount. 

When i brought this up with Bank of America ( BOA ), i was asked to send documentation of the displayed price- i tried to access the website again where i purchased the merchandise and it was removed by this time and the page was giving me an error code. 

I sent BOA this info and they said that they can not move forward without this info. After spending a considerable amount of time talking to the agent on the phone ( around XX/XX/XXXX ), i requested that BOA send me the info that they received from the vendor shakentechcom about their sale to me and i was told that it will be mailed to me within 2 weeks. When i didnt receive anything for 2 months, i called them back again and was told that there was no documentation of my phone call from XX/XX/XXXX - so i explained the situation again to the agent who told me that they will make a note of the case and send me the info they obtained from shakentechcom in terms of the sale in 2 weeks. It has been a month and i have not received anything. instead of wasting my time waiting for someone at BOA, i decided to file this complaint as i believe it is illegal for BOA to charge my card for the wrong amount especially since they are not able to provide me with the documentation showing the charged price from the fraudulent company " shakentechcom ''. 


Transaction date XX/XX/XXXX Case number : XXXX Disputed charge : {$63.00} charge ( XXXX ) from 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 2022-03-23 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-23 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act, XXXX, Equifax and XXXX has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it and address used to open account ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX REPORT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act, XXXX, XXXX and Experian has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it and address used to open account ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX  FTC REPORT NUMBER : 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 2022-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Made a payment on XX/XX/22. 
Was advised to make a payment of {$50.00} Received confirmation email of payment Later received an email that I owed {$1.00} AFTER a payment has already been made Called today on XX/XX/22 at XXXX AM EST To make the payment and get clarification on WHY this issue happened. 
Informed both reps that this is now the FIFTH time Navient has played with a payment, and I asked to have the loan cancelled, as it is nearly 100 % paid off. 

A copy of the email I sent to Navient, after they continued to lie about payments : " XXXX XXXX XXXX, Please disregard the previous email. I have taken a look at the document that was sent, and that response is not appropriate to the actions in which your company, Navient, has taken. Navient has proven that they can not be trusted to tell the truth when it comes to processing payments, or honouring contracts, and as such I do NOT accept the response that was given. There is no way, that XXXX payments = the amount of the loan, when in reality, the loan is actually paid off, and I am paying the PRINCIPAL aka the INTEREST on a {$2600.00} ( rounded ) predatory loan. I am not sure who I would have to speak to about this, but I will not and am not accepting such an impersonal and robotic corporate response. I want this loan completely cancelled, and I will not accept anything less. Since I keep and have kept my word and have paid on time for the past 2-3 years on this loan, you as an individual and your employer should do the same. 

In fact, I would like everything in writing, including the original term of the loan, and the ACTUAL rate on this loan. 

I am very familiar with the fact that your employer is currently facing severe legal action behind tactics such as the one that you tried to pull with me for the SECOND TIME. 

Please read up on what is happening with your corporation : Updates on Navient lawsuits Navient Student Loan Borrowers Navient Deceptive Student Loan Practices Navient Multi-State Lawsuit Settlements Navient Student Loans to be cancelled Also, it is interesting that the institution that loan was for ( school ) has been shut down, for predatory practices as well. 

XXXX XXXX XXXX XXXX XXXX and other for profits closing XXXX XXXX XXXX XXXXXXXX I am not sure what game you are playing, but it is disheartening to know that your corporation cares more about putting people ( and keeping them ) in debt. I am NOT one of those people. This loan WILL get cancelled. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
This is a complaint which is in connection to my previous complaint # XXXX. M & T bank consumers complaint team did nothing to resolve the mistake their XXXX made which resulted in my loan mod being denied. They acknowledged she made a mistake but did nothing to fix it. Instead they released my account to collections pending review with their foreclosure team. I was on the Covid Forbearance program from XX/XX/XXXX to XX/XX/XXXX they offered me a loan mod with a partial claim which was denied because XXXX of their managers took my XXXX trial mod payment and told me I could use my suspense funds as long as I paid the difference which I did. Months later after paying all my trial mod payments and my XXXX and XX/XX/XXXX payments along with executing and notarizing the loan mod docs they deny the loan mod telling me that the {$1000.00} used for my 1st loan mod was not allowed to be used from my suspense bucket. Once they denied the loan mod they left the Covid Forbearance payments on my account applied the funds in suspense and show me delinquent for XXXXthey never took my Covid Forbearance payments and placed them in a partial claim to be placed at the end of my loan. if they had did this I would be due for my XX/XX/XXXX payment. I am going to go into foreclosure for their mistakes and violation of the CARES Act I am going to seek legal representation to see what I can do to take legal action

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 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I did a mobile deposit to Wells Fargo on the XXXX of XXXX they released XXXX of it I woke up this morning to being in almost XXXX in overdraft. I called Wells Fargo they said when they presented the check to XXXX  XXXX XXXX they didnt ok the funds to be released. I contacted XXXX they said the check is good on their end and didnt place a hold or refuse it. So Wells Fargo is lying and he saying they will release it in 7 days. Now I have overdraft and charges coming thru. Someone is lying.

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 2022-03-23 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act, XXXX, XXXX and Equifax has violated my rights. 15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX XXXXXXXX XXXXC 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. ftc report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act, Experian, XXXX and XXXX has violated my rights. 15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX  605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. ftc report numberXXXX

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 2022-03-23 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: GA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-23 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: OH

Complaint narrative:
In 2021, I consolidated some XXXX loans into a direct loan so that they would qualify for the PSLF waiver extension. One day after the loans were consolidated, my PSLF took place and my remaining balance on all my direct loans was forgiven, except for the new direct loan created from the consolidation. I figured it was a timing issue, but called FedLoan Servicing anyways to verify. The representative said it was a timing issue and to resubmit a PSLF form. I resubmitted the PSLF form and then received a letter stating my remaining balance of payments as 3 more! The letter stated it accounted for all waiver investigations as well. I called and told them this cant be right bc I was already forgiven for other loans, which means I have definitely made my 120 payments and that they have proof of this! The representative was very rude with me and said she could not help me and then hung up on me. I just want this fixed and over with! Ive been paying on these loans religiously for 11 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/2022 I received an email from Synchrony Financial, the servicer for the XXXX and XXXX XXXX, offering a {$50.00} statement credit once a purchase of {$500.00} or more is made at a store. The terms were as follows : * Register on syfpromo.com using promo code : XXXX. You must register to be eligible for this offer. 
* Use your XXXX XXXX XXXX credit card anywhere it is accepted to make a single-receipt purchase of {$500.00} or more XX/XX/XXXX to XX/XX/2022. 
* Earn a {$50.00} statement credit. A maximum of one statement credit can be earned during the offer period. 

I tried going out to the website on XX/XX/2022 to register for the offer yet the website, syfpromo.com, states the XXXX offer is not valid. I tried registering on a Smart device as well as a laptop yet would still not work therefore this is a problem with Synchrony Financial. 

I called the Customer Service Department for XXXX and XXXX at Synchrony, XXXX, yet they do not show the offer of XXXX being valid even though this is the promotion emailed.

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