vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
We started the refinance process back in XX/XX/2021, we paid on our mortgage for XXXX and XXXX. We were supposed to close in XXXX and the closing had to be rescheduled due to weather and they were backed up on rescheduling 's for XXXX so that wouldn't happen until XXXX. Then in XXXX they told us not to pay as we will close in XXXX. Then they took out the payment and told us to do a stop payment or refund the payment. We did this process, then we kept getting harassed saying we missed a payment, and we told them about these phone calls, and they told us to disregard them as we are in the process of closing for XXXX. When trying to close for XXXX they kept saying well it is in processing, so we can't close for XXXX. So we decided to make a payment before the end of XXXX because the other debt collectors kept calling us telling us to make a payment. The payment was never processed on their end, we discussed with our bank and they never saw any payments pending or attempting to come out of our bank account from Freedom Mortgage. Its XXXX now and they told us AGAIN to not make a payment for XXXX, and now were getting letters in the mail about credit reporting, possible foreclosure, etc. I had talked to 15+ different people on XX/XX/XXXX, I was on the phone for half of my day scheduling this close to happen in XXXX. Also, while talking to these 15 different people it was confirmed that I wouldn't have to worry about my XXXX or XXXX payment as Freedom Mortgage took care of it and admitted it was their fault this didn't go through properly through a manager. The soonest they could do this was XX/XX/XXXX for the closing, in the meantime still getting these calls and letters about making a payment. XXXX XX/XX/XXXX, we are at our scheduled location and time, and no show, no calls, no email, etc. NOTHING. We call them and were on hold for an hour and then put us on a call back list. No one has called, we have emailed everyone, we called different numbers to have a manager call us and no one will call us back. We talked to someone in customer service and they said since we have missed payments they weren't able to schedule the closing ... We still haven't talked to a manager or anyone that knows how to do their job there. Plus their website isn't working so I can't even make a payment on this loan.

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 2021-04-26 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: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
ALLIED COLLECTION SERVICES OF CA is reporting a collection for {$9500.00} from XXXX  XXXX  XXXX for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from XXXX XXXX XXXX ... .Allied credit services went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. XXXX XXXX XXXX refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. ALLIED COLLECTION SERVICES IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had an Bank of America ebanking account with no monthly fee. In XX/XX/XXXX I received a letter that said the account was inactive and would be considered abandoned. My debit card and online access were XXXX by the bank. I mailed the reclaim form as instructed and also made calls in order to reclaim the account. My online log in attempt failed and the website required me to call. The phone line of Bank of America has always been automatic. When I finally spent over an hour on calls, tried all option combination and reset the account access, I found that the account was converted to a different type with $ 12 monthly fee. I was charged every month until my account balance was below zero. During those months, Bank of America didnt send me any mail of the change, didnt send new debit card, my old debit card and log in to online statement was XXXX. 

When I called Bank of America on XX/XX/XXXX about this issue, they told me if I leave money with the bank, they can do anything. I submit a request to the client care email, they called me on XX/XX/XXXX and told me they dont need my acknowledgement to change my no-fee account to an account with fee, after they put my account as abandoned and I made the reclaim request. It was my responsibility to check my account change online even they XXXX my log in. If cant log in I can also know the checking account fund requirement on their website, even that was not my account type. 

Hope   Bank of America could credit the monthly fee and recover my account to {$80.00}. Thank you very much for your help.

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 2021-04-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I spoke to your representative today. Please see cfpb notes from today case XXXX. I need an accountable signed response to initiate my lawsuit. This will most likely be a class action and could be federal because the cfpb is omitting all Covid-19 protocols and is not protecting senior citizens. 

See attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: IL

Complaint narrative:
I sent a debt validation letter to EOS CCA, Inc on XX/XX/2021. I have yet to receive a debt validation letter stating that I owe a bill with XXXX XXXX. I made a complaint with the BBB and they stated that they will cease all collection efforts until XXXX XXXX sends the information to them. It has been over a month and XXXX has not updated EOS CCA nor have they mailed me any information. I do not own this debt and I want it removed from my credit report. The amount is for {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
This is XXXX XXXX acting in my own behalf. They are reporting accounts that aren't mine and these false reporting accounts are affecting my credit report and costing me thousands of dollars. This is not like a regular dispute. I have filled a complaint with the Federal Commission and XXXX  bc to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I am being ignored and i really can not wait another 60 days with this mistake hurting me. I have not receive any responses because everyone is ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to all of the stress you caused me. 15 United States Code Section 611 ( a ). It is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been 55 days and I gave it more time due to the covid 19 but now these items should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Credit Plus Inc
State: MA

Complaint narrative:
In authorized hard inquiries on my credit report must be caused from fraudulent activities

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Transunion & XXXX : I am writing to inform you about an error I noticed on my TransUnion and XXXX  credit report. 

Date of item being disputed : XX/XX/XXXX Description of dispute : My Transunion and XXXX  report states that I have 1 Hard Inquiry from XXXX XXXX  ( XXXX ) on XX/XX/XXXX. It's been four months now and this Inquiry still shows on my report, even when I am not currently doing business with them. I also have a Negative Activity on my report from XXXX ( XXXX  XXXX  ) on XX/XX/XXXX. My credit card debt from XXXX XXXX  have already been settled in full, yet the negative activity still appears. 

I am requesting that you remove this information from my credit report. 

Thank you for your help.

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 2021-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Home Depot did a bait and switch with a home improvement order we had put in and paid for with their store credit card. They failed us every step along the way. We took out the credit card as the sales rep aggressively pushed this and mentioned how it hurts them if they don't get enough sign ups. Feeling like this could affect our order and service we did proceed with the home depot credit card despite being debt free and having other options to pay for the purchase because we felt pressed to give in to the repa pleas.. The install never occurred after several issues and Home Depot continously telling my wife and I they would make sure things were fixed and completed. After being strung along for months we completed a return yet we still have this credit card they aggressively forced on us. I'm reporting g to ensure these horrible practices are discontinued so another customer isn't impacted by deceit and aggressive practices. This all occurred in XX/XX/2019 and can be verified that we never have used the card that was issued other than this one occasion. The hard inquiry had a negative effect on my and my sposues credit and had Home Depot of acted with integrity we would never have applied for a card to which hasn't been used in almost two years.

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 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
In XXXX of 2020, I went on Forebearance for 12 months with Bank of America. At the time I was told of the different options I had once my forebearance ended. I knew then I wanted to do the Payment Deferral. I was told a month before my forebearance ended I would receive a packet of options which I never received. In XXXX I began calling BofA asking about the Payment Deferral Option. I was told several times that paperwork would be sent in. Again, I would inquire about the paperwork and nothing. Then I was told that they couldn't send in paperwork until after my forebearance ended. Again, XXXX of XXXX I made calls and got no where. Now it's XX/XX/XXXX, I have a negative balance. My last conversation with BofA was that my only option is Modification and since I never received anything saying that I was approved for Payment Deferral that it was probably denied. I asked Denied why? They said it was not a guarantee and it was up to the investors. Talked to Fannie Mae and they said they never received any paperwork and it was up to BofA, so somebody is lying. I don't want a loan modification. I have 11 yrs left and I'm 60. This whole thing is stressful.

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 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX I approached a Bank of America employee in charge of Merrill Edge services at a local branch office for advice and management of my accounts with BoFA. He reviewed all of my accounts and recommended I take advantage of a Balance Transfer offer from BoFA to move one of my XXXX Personal Loans over to BoFA credit card. The balance transfer offer was zero percent on {$9700.00} from then until XX/XX/XXXX. After that the rate would increase to 16.49 %. He promised that the monthly payment would only be {$25.00} per month and that I could use the difference in payments to pay down another balance I have that is much higher and that I would come out ahead. 

I didn't believe the offer was true. So I asked him to confirm the $ XXXX/month payments. He called the credit card dept and confirmed it was true. So I ordered the balance transfer. 
A few days later we saw it was posted as a cash advance, not a balance transfer, with a higher rate 19.99 % at the end of the zero percent term. And that the term was shortened by one month. Also, about a week later we discovered that the payments were going to be $ XXXX/month, not the $ XXXX/month he had promised and had confirmed. 

I asked them to give me the terms they promised and he said there was nothing he could do about it. The credit card department handled that. And they said no to the request. I went to the assistant manager and he promised to try to fix it and then basically did nothing. In fact, he told me I had signed documents agreeing to the terms I have. 

I have sent 3 emails to them, 2 phone calls, and 4 visits to the branch office. In essence they have promised one thing, delivered another, and then passed the customer service off to some phone number that goes to another place. Those people passed me from one department to another and finally said that we had already used up the special offer code and there was nothing they could do about it.

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 2021-04-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased furniture using my Wels Fargo credit card. The furniture was delivered in horrible shape and asked Wells Fargo to hold off on payment until the issue was resolved with the furniture store. They agreed to do this. 

The furniture store ( XXXX XXXX ) sent Wells Fargo a fraudulent delivery receipt that they claimed I had signed. It was not my signature, that has been verified by Wells Fargo as not mine. 

I want an answer from Wells Fargo why fraud is O.K. at their bank. They stated they did a thorough investigation into this matter ... .they did nothing as all their facts are incorrect. I never signed a delivery receipt, I was not offered a refund ; just a store credit and I never cancelled or claimed to cancel the order. XXXX XXXX  does have a guarantee that all their furniture will be delivered without any factory defects, which Wells Fargo and XXXX XXXX seem to have overlooked. 

As for Wells Fargo THOROUGH investigation ... try again!

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 2021-04-26 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management XXXX. XXXX  XXXX XXXX XXXX, California XXXX XXXX : Account XXXX Dear Midland Credit Management, I am writing you about two violations with this account that I would like for it to be immediately removed from the credit bureaus. 

1 ) Statue of limitations this account is over 7 years old 2 ) No written notice prior to you all damaging my credit was sent out to me I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in ( Maryland ) has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. 
This letter is your formal notification that I have filed a complaint with Consumer Finance Protection Bureau. Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Navy Federal via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Navy Federal has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I ordered some boots with my debit card American Express Bluebird on a website that stated it was located in Utah. I got an email from a XXXX company stating that the boots had been sent but I never received them. I got online and traced the tracking number they gave me and it stated that the boots had been sent to XXXX. I live in XXXX. I contacted the seller several times but they did not respond. The website that sold the boots was taken down. It no longer existed. I contacted AMX Bluebird explaining all this to them. They contacted the seller and gave me the tracking number. I went down to the local post office with the tracking number and the post office said that the boots had been sent to another address in XXXX. It was sent to the wrong address. I contacted the seller again and there was no response. I contacted Bluebird and they said that my dispute had been declined because the seller sent the boots. Yet I did not get the boots because they sent them to the wrong address. I was defrauded of my money since the website was taken down, I did not receive my boots and Bluebird did not refund my money. I wrote to the company in XXXX and this is what I wrote : XXXX My name is XXXX XXXX and the item I ordered was for XXXX XXXX to be shipped to my address at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX did not receive my order from XXXX Transaction ID : XXXX Transaction Date : XX/XX/2021 Transaction amount : XXXX You sent me an email with tracking XXXX I went down to the local post office in XXXX California where I XXXX XXXX They tracked the tracking number to someone else 's address XXXX XXXX XXXX XXXX, CA. My address is XXXX XXXX XXXX # XXXX XXXX CA XXXX. They sent it to the wrong address instead of the one I gave them. I am continuing my dispute because I never received the item. 
I paid as a guest through XXXX. I tried to contact the seller by email but they didn't reply. 
Included is a copy of the email you sent. 
Regarding the transaction below : Seller 's Name : Seller 's Email : XXXX Transaction ID : XXXX Transaction Date : XX/XX/2021 XXXX PST Transaction Amount : {$63.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
A check from XXXX, # XXXX, for {$13000.00} was deposited into our Wells Fargo checking account on XXXX. On XXXX, Wells Fargo informed us that the check was returned unpaid and that the money had been deducted from the account. We notified XXXX. It said the check was not returned and that their records show it was paid. I filed a complaint with Wells Fargo explaining that XXXX said it didnt return the check and asked Wells Fargo to investigate. I received a letter from a Wells Fargo Escalated Complaints Specialist regarding our case XXXX, which basically just apologized that the deposit wasnt completed. I dont believe he bothered to research the problem at all. Nobody is claiming to have the money, but it has to be somewhere. We really need someone to find it.

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 monetary relief