vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX has announced a COVID program and apparently given no guidance to mortgage servicers [ Wells Fargo in my case ] XXXX XXXX XXXX own website talks about forbearance and does not define it. 

eg are skipped payments added to the end of the loan? 

are they due at the end of the forbearance period? 

will I be forced to refinance/loan mod? 

Is interest still accruing? 

will servicers use this as an opportunity to assess fees on top of a balloon at the end of the deferral period? 


Please encourage mortgage servicers/XXXX XXXX to clarify what they are offering!! and pressure servicers to give real information to borrowers

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 2020-03-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is a Hard Inquiry on my credit report of Experian with the name of XXXX XXXX XXXX  ( see attachtment ), I have tried to dispute this with Experian and also XXXX  but both company denied to help me in this. 
I do not have any credit card or account with 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 2020-03-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Both XXXX XXXX in XXXX, VA and XXXX XXXX ( headquarters in XXXX XXXX, TX XXXX submitted Hard Inquiries on my account on XX/XX/2019. It is my understanding that because these inquiries occurred the same day, they should have been counted as only 1 inquiry. I am submitting documentation stating that " all inquiries for a mortgage, an auto loan or a student loan '' should be counted as a single inquiry if within a 45 day time frame. My rights as a consumer have been violated.

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 2020-03-26 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I am working on refinancing my mortgage and the bank representative was going over my credit report and saw that Citi had a {$210.00} balance in arrears. I tried multiple times to speak to someone at Citi yesterday, XX/XX/2020, and today, XX/XX/2020, and I kept getting transferred to a message that said they were closed and my call was terminated. The last time I called I asked to speak to a supervisor and again I was disconnected. I am trying to find out about this balance in arears as I have received no communication from Citi. This is unacceptable behavior by a company and they refuse to work with me 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 explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMW Financial Services NA, LLC
State: SC

Complaint narrative:
I have paid the BMW Financial debt through a collection agency and it is still showing unpaid on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Someone called my mother claiming that we owed XXXX for a medical bill and said that they needed to collect {$310.00} over the phone now. My mother said that she never received a bill and the caller said that they already sent a bill and now its time to collect. We asked if they were willing to send a bill via mail but they said they would just try calling us back again. I called the number back and spoke with multiple people claiming to be from Capio Partners in XXXX, TX. They refused to speak with me without me telling them my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
Hello on XX/XX/XXXX I called aes because they keep charging me late fees for a loan that they automatically take out my account. They told me that's it's from a payment from XXXX that I missed. I told them that I changed bank accounts back then and to charge my other account and they said they did but kept charging my closed account. They keep charging me late fees and will not allow me to use my bank account nor my card to pay it off because they have something against using XXXX XXXX bank cards. They said that they can only take payments through the mail. I mailed them something once before and it got lost in the mailing system and returned to me a month later. I'm not trusting the mailing system too well. I would like someone to help me get this settled so I can stop getting charged late fees and they keep reporting that I'm delinquent on my credit report as well. I understand that there was a misunderstanding in the past. That now everything is good and regular payments are coming out of my XXXX XXXX account. Why do they still keep charging me late fees and say I still have an outstanding balance, also why can't they automatically take it out like they do my other student loans and why cant they accept my one time payment from my XXXX   XXXX account? They keep sending me in circles. I just want to pay it and get it over with. I dont understand how a company doesn't want to get paid when someone offers to pay them. It shouldn't matter if there was confusion about the bank accounts in the past and should give someone a chance to pay it off not using the mailing system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed a negative account. Experian doing nothing about this fake account. This account keeps going on my credit. I have disputed this account off of my credit before with Experian. I believe they are not investigating at all because its coming up with negative results to fast.

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 2020-03-26 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
I am trying to buy a new house. The lender pulled my credit report and I am listed as an authorized user on a first horizons credit line for XXXX. I was never aware of this or authorized this in anyway. First horizons will not tell me whos account it is and its hurting credit and hurting my chances for buying the house we want. They did say it was reported to their identity theft department but it can take up to 30 days. I dont have 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I wired {$490000.00} to a clients account at Bank of America in XXXX XXXX, Texas on XX/XX/XXXX. The Wire should have been {$98000.00}. My bank recalled the wire as soon as we found the error same day and Bank of America will not return it and said it may take several days. The funds came out of a Title Company Escrow Account and went to XXXX Routing Number XXXX for credit to Account # XXXX. It was a Fed Wire and not an ACH. 

The Client has also ask them to send the funds back or let her wire back the overage and they told her they could not do that, That my bank had to recall it which we did but they still will not release the funds. 

My Bank if the XXXX XXXX XXXX  in XXXX XXXX Texas with XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, TX 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 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I think the first contact I received was around the Fall of XXXX. The caller introduced herself as being with XXXX XXXX through originally XXXX XXXX, later transferred to Barclays and then to XXXX XXXX XXXX She informed me of a credit card that was overdue for payment. I explained that I had never applied for XXXX XXXX. In fact I have a XXXX account that only had my personal debit and local bank card attached to it and that I didn't need a XXXX  credit card. I asked her what the charges were for. She stated XXXX services for the amount of {$4900.00}. I told her that I live in a rural farming community and XXXX isnt accessible. Furthermore I have my own vehicles and don't need XXXX services. She asked if I had ever used XXXX ever. I stated I had in XXXX one weekend and in XXXX, but my XXXX account is only connected to my personal bank account. We went back and forth. She asked me if I thought this was fraud. I stated yes. I never heard back until XXXX of XXXX. I again explained the situation. I was asked if I would be willing to fill out an affidavit and I said yes. I did that, had it notorized and returned it. I never heard another word until XXXX of XXXX from XXXX XXXX XXXX. At that time I forwarded the affidavit. I followed that up with a letter from an attorney and they have never replied. I would like to get this issue resolved. I would like my credit cleared and I am getting no where.

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 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2020, I was physically assaulted and robbed. The two robbers knocked me out and stole my wallet amongst other items. 

One of the cards in my wallet was a Best Buy Citi Visa Card which they used to make 2 purchases. 

XX/XX/XXXX. - XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX. - XXXX - {$23.00} Total : {$290.00} I disputed these charges on XXXX or XXXX ; however, the company took multiple weeks to process the dispute refunds. 

My regular purchase balance was {$1000.00} and my additional purchases for that month including the fraudulent charges totaled {$530.00}. 

I paid {$1400.00} towards that balance, so XXXX + XXXX - XXXX = {$190.00} Since I did not pay the full balance, I was charged {$15.00} in interest. 

However, had they processed the dispute in a timely manner like all my other credit cards, or been responsible in their billing and not included the disputed amount in my balance, then I actually paid more than what was due. The card does have 0 interest amount that the extra amount was meant to pay down. 

Therefore, XXXX + XXXX - XXXX ( disputed ) - XXXX = XXXX This shows that I paid more than the regular interest balance had the disputed transactions ( which were eventually refunded ), not been included in the regular interest calculations. 

I am requesting a refund of {$15.00} in interest charged as a result of their error. 

I did file a claim with the company a couple weeks ago, and I have not heard back. The interest fee has yet to be refunded. 

I have attempted to contact their security ops department to follow up, but the hold time is too long. 

Attached are both my XXXX statement which shows the disputed transactions and my payment towards the regular interest amount and my XXXX statement which shows that the two disputed amounts were refunded.

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 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
It has now been over 30 days since our 2 loans were paid in full to Bayview yet we have not received the return of our escrow funds. They owe us over {$17000.00} and they are not answering their phones. NOTHING gives them the right to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I cancelled the card on XX/XX/2019. I was charged XXXX on XX/XX/2019 ,XX/XX/19 ,XX/XX/19, XX/XX/XXXX. XX/XX/19 XX/XX/19

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Around XX/XX/2020, I noticed 2 charges on my credit card that I did not authorized. 
I contacted Citibank, they issued a new card with new card number, put the transactions into dispute, and then issued temporary credit. The charges were dated XX/XX/2020 I got a response on one of the items yesterday, XX/XX/2020 and Citibank was going to reverse the temporary credit as if I lost the dispute. 

I believe the merchant was involved in the scam. The merchant have a website that is no longer active. The domain was created on XX/XX/2020. 

On first pass, Citibank took the merchants word. I am still placing the complaint back into dispute. 

In short the credit card company is offering me little protection from a fraudulent charge that may involve a form of identity theft.

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 2020-03-26 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Hello Consumer Financial Protection Bureau, I purchased an item from an online vendor using my Costco Citi Visa Card, and the product was defective. I returned the product to the vendor, and I have yet to receive a credit. I was told by Citi the dispute was originally denied because the vendor said the charge was authorized. This rebuttal is unacceptable because I had to PRE-PAY for the online purchase prior to ship. After receiving and using the hair wand, it smoked and nearly caught my hair on fire, which was the basis of the return. 

This dispute has been on-going since XXXX, and the vendor is in possession of the return. I have called in numerous times to Citi, and today they claimed they still do not have my rebuttal re-sent to their requested email address back on XX/XX/XXXX. Unfortunately, I have learned these inefficiencies are because they farm out their disputes to an outside vendor. I called back to report my dissatisfaction, and I spoke to XXXX at Citi XX/XX/XXXX at XXXX EST, and she said the disputes department is currently shut down so open disputes are not being addressed/processed at this time. This is not acceptable because Citi has my money, and the vendor has the returned defective product. Failing to address disputes because the department is " shut down '' is not acceptable. 

Thank you, 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 2020-03-26 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
During XXXX of this year I reviewed a copy of my credit report and noticed several fraudulent accounts reporting that were related directly to identity theft. I immediately reached out to my local authorities who advised I needed to submit an identity theft report to the credit bureaus. During this week of XXXX, I reached out to XXXX, Experian, and XXXX to notify them of the situation via phone direct mail of the fraudulent accounts that were displaying on my credit file. Since, it has been over 30 days and yet have not received any correspondence from Experian in regards to my complaint. In addition with my identity theft report that was sent, I was sure to include a copy of my drivers license, social security card, and a utility bill in my name. I also included a list of the fraudulent addresses ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) as well as the accounts 1. XXXX # XXXX, 2. XXXX # XXXX, 3.XXXX  XXXX XXXX # XXXX, 4. XXXX # XXXX, 5. XXXX XXXX # XXXX. Under the Fair Credit Reporting Act Experian has not provided on accurate verification whatsoever. In fact Experian has not even responding to my dispute therfore must remove the following fraudulent accounts with it being over 30 days as per the Fair Credit Reporting Act. In addition Experian has Failed to block the fraudulent accounts as per section 605b. My consumer rights have and continue to be violated per sections 609 & 611 with Experian not being able to provide any sufficient documentation obligating me to these accounts.

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 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX transferred our mortgage to Specialized Loan Servicing in XX/XX/XXXX. From then on they reported me late to credit bureaus and will not correct it, even though I have proof that I am not late. I have requested SLS several times to correct it. We can not refinance or purchase anything. I have filed with the credit bureaus more than once. Still not corrected. All payments were mailed in the month due and have usps receipts except XX/XX/XXXX which was paid online and have receipt for same. They misappropriated funds in our escrow and claim we will get a refund, but have not and then want us to mail it to mail.

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 2020-03-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XX/XX/2020 I disputed unverified information pertaining to XXXX XXXX XXXX being reported on my credit card. For {$470.00}. I disputed this with Experian credit bureau and asked for verification proof of verification without violating my HIPAA rights showing that I owe this debt to XXXX XXXXXXXX. I asked for validation with XXXX XXXX and received no information from them showing my signature or proof of validation. So how is it that experien deemed this account verified without violating my HIPAA rights? .is n't it a violation of the Fair Credit Reporting Act. I would like to know how it is that they did their investigation and I would like to see their methods of verification and proof that they actually investigated this inaccurate 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 2020-03-26 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 — Their investigation did not fix an error on your report
Company: FC HoldCo LLC
State: CA

Complaint narrative:
the reason i am writing you is because i sent you two letters informing you i made not such request for this credit check, i asked the company wheres the evidence that i initiated these requests and they failed to respond.

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 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
We have the mortgage account overdue for 931 days with the popular bank in the amount of {$13000.00} and the principal owed of {$7700.00}, adding these amounts to a total of {$21000.00}. To the extent possible, is a grant available to settle this account? Currently I work part-time, less than 25 hours, at some times he did work as a XXXX, but I need to settle that account. Like the student loan, that payroll check is debited from that student loan. {$10000.00}

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