vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Last year ( 2018 ), my business partner XXXX XXXX sent me {$3300.00} via online transfer to my NFCU checking account from his NFCU account. Because it was from the same bank I assumed allowing him to do the transfer wouldnt be an issue so I gave him my email address associated with my account. He made the transfer and now my account and my joint owners accounts ( even ones not associated with me ) are frozen. I contacted Navy Federal and they said the person so sent transaction would need to contact them and even though MY ACCOUNTS were frozen there was nothing I could do. I had the sender contact them via phone and etc, but I can not control what he does. He was then arrested ( without my knowledge for months so I could not contact him ). All this time I am trying to communicate with NFCU but they are not working with me. I suggested sending funds back to his account if there was an issue or at least remove my joint owner off account so it wont affect him. They declined to do either. I have a very high limit credit card with navy federal and if they close my accounts my credit will suffer greatly so I am trying to maintain a good relationship, but Navy Federal is failing me and failing at customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
And Continued Matter, ,My Cellphone Is Registered With online Services Too, ,And They Sent Me In A Email A One Time Access Code For Online Use Only And Access Code For The Atm, XXXXThat Is Over ( 30mins ), ,This Happened About A Week Ago? So I Really Don't Understand What Is Going On At This Time,,? I'm Very Disappointed With This Type Of Matter

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 2019-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
We have a mortgage loan with Berkshire Bank in MA. 

The loan was underwritten in XX/XX/2018 for a single condo that we own which is in a condo trust with a total of 3 units. 

The Bank has asked for Master Insurance folder on XXXX. We sent them on XX/XX/XXXX the most recent folder from the Insurer. We have a written response back from the Bank stating that they received the folder. 

However, in the last two months they have increased our escrow amount due to missing master insurance. I have talked to the Bank three times now and to the person who has received the folder twice. 

They still could not fix it in their systems and we look like we are behind our mortgage because of the arbitrary increase in the escrow account the bank imposed.

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
Consumer complaint received 2019-07-21 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: FL

Complaint narrative:
I closed this account several years ago and Im still being charged. This account was closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: Midwest Recovery Systems
State: OH

Complaint narrative:
This account is extremely old. It is past the time frame to be reported on my credit report. This item is at least 10 years old yet it appears as a new account for 2019. This is fraudulent and is ruining my credit. This item needs to be deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: IL

Complaint narrative:
I previously filed a complaint with CFPB XXXX. However, Rent recovery has shown up on my credit file again, after they agreed to delete this from all 3 credit agencies, and it was deleted. However, it is reporting again on XXXX, please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: RoundPoint Mortgage Servicing LLC
State: AE

Complaint narrative:
The company is Roundpoint Mortgage.

In XX/XX/XXXX I accidentally double paid my mortgage for the month. Shortly after, I requested a refund for the second mortgage payment. Once I realized the refund wouldnt be another direct deposit, I asked for the cancellation of the refund and to have the funds applied for XX/XX/XXXX payment instead. At first, the request was noted, however another agent already processed the cashiers check and therefore voided the initial stop refund request. This incident is what initiated my problems with roundpoint mortgage.

Once the cashiers check was issued, I requested for customer service reps to void the check and apply the funds to XX/XX/XXXX payment. I requested this process more than 10 times. Each time, I was told it would be done only to find out my request was never documented or initiated on my account.

To make a long story short, roundpoint held on to XX/XX/XXXX payment for 115 days. Within those 115 days, roundpoint gave me a {$75.00} late fee, and added a delinquency notice on my credit report which made my credit fall by more than 100 points.

It wasnt until 90 days in to my problem, that roundpoint finally acknowledged their error, fixed my credit and removed the late fee. They even sent a long apology letter ensuring the issue was resolved. However, the company still took 3 more weeks to actually apply XX/XX/XXXX payment. Therefore, ( to my current problem ), Im dealing with another -150 point hit to my credit report, and foreclosure warning letters from the company.

I once again asked the company to dispute the company error with the credit bureaus, but as far as I know, my request is being disregarded again.

Ive had my loan since XX/XX/XXXX, every mortgage payment has been made on time since then. Ive tried almost everything I can think of to get the company to resolve these issues and close out the account but the company neglects my complaints and refuses to expedited resolving my concerns.

I am afraid I may have to take more extreme measures to fight this company.

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 2019-07-21 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: U.S. BANCORP
State: CO

Complaint narrative:
1. On XX/XX/XXXX I purchased XXXX XXXX XXXX shoes from a website ( XXXX XXXX XXXX  ), which I do not see online anymore ( scam ), and I was charged {$110.00} for the shoes and {$1.00} for Foreign Transaction Fee. The website said that the will be shipped within 2-4 business days. 
2.  On XX/XX/XXXX I looked up the website again and their phone number to cancel the order since the order was never shipped, but they have no phone number to call. There was an option to send a message, but when I tried the message wouldn't go through and was keep on getting an error message. 
3. On XX/XX/XXXX I called my Fidelity Investments Card to dispute the charge. I explained all that, but they insisted on sending me a letter I needed to fill out and send back to get the credit. In the meantime, they gave me a credit for the amount, but they charged it again on XX/XX/2019. 
4. I have never received the letter from them to explain what happened, so I called them and I asked why my card was charged again, and they said it is because they never received a letter of explanation. I told them that I never got it, so they asked me to reiterate again what happened so they can fill out that form at their end. After that, they said nothing else is needed and they will reopen the dispute and that someone else will call me. No one called me about reopening the dispute. 
5. A week later I called the dispute department again and they told me again that they are working with the merchant to have that resolved and someone will call me, but again no-one did. They just give me the run around for more than a month and do not want to resolve this issue.

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 2019-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: OH

Complaint narrative:
Enhanced Recovery Company ( XXXX XXXX XXXX in XXXX, Florida XXXX, physical address XXXX XXXX XXXX, XXXX, Florida XXXX ) reported to the credit bureaus that I owe {$100.00} to XXXX XXXX  XXXX, XXXX. My bill was actually for $ XXXXwhich    I just paid. I tried contacting them but could not get through. They need to remove this incorrect balance ( which was just paid ) from the various different credit bureaus. I looked this company up on XXXX and they have a one star rating, leading me to think they are involved in fraudulent and possibly illegal collection activities. I have copied and pasted the receipt of the bill I paid ( which was for {$64.00}, not {$100.00} ). 

They also have NEVER attempted to contact me, or even sent me a bill in the mail. Thank you! Under this receipt I copied and pasted what they send to the credit bureaus. 

We received your recent payment to XXXX XXXX XXXX XXXX. 

Confirmation # : XXXX Payment To : XXXX XXXX XXXX XXXX Account : XXXX Payment Amount : {$64.00} Payment Date : XX/XX/2019 XXXX XXXX XXXX XXXX WHAT WAS REPORTED TO THE CREDIT BUREAUS accountnumber XXXX Creditor 's Name ENHANCED RECOVERY COMPAN Type of Industry Other Collection Agencies Address XXXX XXXX XXXX, XXXX XXXX FL XXXX Account Balance XXXX Payment Status Collection/Chargeoff Creditor 's Preferred Contact Method Other Consumer Statement Placed for collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I Try to contact this company regarding a hard inquiry that was place on my credit report never have I ever apply for anything with this company so Ill ask to please remove this inquiry up on arrival of this letter thank you

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 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I'm trying to obtain my free annual credit report for a job I already have an offer for but I need my credit report to finalize the process, but the Experian website says the following : " Sorry, we are experiencing technical difficulties. 
You can try again or request your Annual Credit Report to be mailed to you. '' This is extremely detrimental to my financial future and I need this before the weekend is over! ( XX/XX/19 - XX/XX/19 ). 
I can't even download it! The phone number they provided ( XXXX ) to request my free credit report is a XXXX joke and it still says that they WILL MAIL IT TO 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 2019-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CARMEL FINANCIAL CORPORATION, INC.
State: FL

Complaint narrative:
Try to contact this company regarding a hard inquiry that was place on my credit report never have I ever apply for anything with this company so Ill ask to please remove this inquiry up on arrival of this letter thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On XX/XX/21, I visited XXXX to obtain my free credit reports from the 3 credit bureaus. I had no trouble with XXXX or XXXX, but when it came to Experian, all of the identity questions were answered correctly but there was an issue on the website to where it was not available. I had tried redoing the identity questions multiple times but each time I received an error message " there seems to be a technical issue. '' This is extremely frustrating as I do not have time to receive it through the mail in 15 days, but that seemed to be the only option after spending over 15 minutes on the phone with an automated system, not even a live person. 
There needs to be some alternate option to receive it online in order to make this more consumer friendly, because the current system in place is an absolute joke.

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 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This charade of a so called PROTECTION agency is beyond comprehension to honorable people. You do not even read the reports and if you did you have the same problem as the company does- people who claim to speak English that can not comprehend it. The company sends an alert explaining my score went down. Even after I have paid off and down a number of debts. Unauthorized users continue to read my credit score freely because their so called security freeze by their own words does NOT WORK and by their own words the data is months behind because banks have no mandate to report real time or even timely! Opinion by experience- How sad this farce continues yet why would it not. There is money to be made on false information- higher rates, different terms ad frankly in my opinion the CFPB is complicit and an accomplice as is Congress and The Honorable XXXX XXXX and her so called finance committee- ha- do nothing. Rhetorically one wonders how many millions screwed daily by these " honorable '' people? 
And here is the big joke by your own admission you do nothing- get a lawyer- yea right HA " The CFPB is an independent federal agency built to protect consumers. We write and enforce rules that keep banks and other financial companies operating fairly. We also educate and empower consumers, helping them make more informed choices to achieve their financial goals. '' Really amazing how about giving We the People a fighting chance instead of being ripped off? 
Experian Membership ID # XXXX Member Sign In XXXX, please review your alert FICO Score Your score decreased. 
OH and by the way- do you think while your at it yo can get one of your non america software engineers to grasp XXXX XXXX a female and t FIX their error- she is not a senior! Your contact information XXXX 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 explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
BASIC FACTS : In XX/XX/2019 I agreed to buy an investment property with Wellsfargo. I signed an P & S stating that the closing would be no later than XX/XX/2019. I made very clear upfront an in subsequent emails the ONLY way I will close with Wellsfargo is if they allow me to close in an LLC or instrument that does not disclose my name. 
In XX/XX/XXXXin confirmed via email that I wanted the investment property in an LLC and that the deed would not be in my name. 
Wellsfargo said they needed to see the LLC formation documents. My lawyer prepared those documents. Wellfargo rejected them. THey did not give a reason why or a policy. Simply said they will not close in a LLC. Wellfargo did tell us that we could convey the property to a trust and close that way. We agreed to prepare the trust documents. One XX/XX/2019, I was conditionally approved for the mortgage with Wellsfargo. 
My lawyer prepared trust certicate and sent that on XX/XX/2019 demonstrating we wanted a nominee trust. This is a trust that allows the beneficiary ( me ) to control the named trustees whose names will be public. 
Wellsfargo then waited until 5 days before my closing to tell me they would not allow me to close in a nonimee trust that I would have to do an intervivos trust. This was extremely disappointing. I tried desperately to find another bank that would close. 
On XX/XX/XXXX three days before the closing date ( we moved it because of Wellsfargo ) the closing manager for the FIRST TIME, explained Wellsfargo policy. The do close in LLC and nominee trust on jumbo loans only. THis was never conveyed to me. I would not have closed with Wellsfargo if they made clear at several check points that they would not close in either instrument. 
I had no other choice but to close with wellsfargo in my name. We were set to close on the XX/XX/XXXX. However, ( this is laughable ) on XX/XX/XXXX their system was hacked or went down or something and they couldn't get us a CD. So due to TRID laws we had to push back the closing 1 day. 
Through the attached communication you will an unorganized, unprofessional, confused communication. 
I am now bound to this hot mess of on institution and am disgusted.

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 2019-07-21 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: IL

Complaint narrative:
I requested my credit report from Transunion on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to XXXX XXXX XXXX Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

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 2019-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On saturday morning as i was walking out of my apartment to go get the metrorail i was physically assaulted and was dealt multiple head traumas, which left my unconscious and my personal belongings were stolen. I contacted bank of america immediately when i regained consciouness as i saw that around 1800 dollars was taken from my bank account ranging from transactions locally to some 3 hours away. After explaining the situation to bank of america they denied my claim in 5 days saying that i'm the one who used my debit card.

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