vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, I entered Citibank in XXXX XXXX, CA and deposited a USD check drawn from a XXXX XXXX  for {$53000.00} into my checking account. I alerted the teller that the check should go through freework or collections. I anticipated up to a 1-month lag in being able to access the funds. At the time, I had around {$800.00} in this account. 
On XX/XX/2021, I checked my account online and saw that it was overdrawn by {$37000.00}. In the interim, I deposited an additional {$800.00} into the account, for a total of {$1600.00} of funds. 
On XX/XX/2021, I called Citibank and was told that there was an adjusting error that would be corrected within hours, and that I had {$1600.00} of funds available. 
On XX/XX/2021, I was now overdrawn by {$36000.00} and a check for {$240.00} that I had sent through the online banking system on XX/XX/XXXX was canceled due to lack of funds ( even though I had {$1600.00} on deposit ). I again called Citibank 's help number, and was told that the branch was at fault for withdrawing an unauthorized amount from my account, presumably in an error related to my depositing a foreign check, and that only the branch manager could assist me. I then called the branch directly, and I was told that no manager was available for the foreseeable future. I was not permitted to make an appointment to speak with the manager at a future date. 
I do not have access to the {$1600.00} I have on deposit, and I am being told that I owe the bank {$36000.00}, with no explanation given for why. My checks are bouncing due to this error, and I can not pay bills or access my 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 2021-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I reached out to Nelnet regarding the inaccurante reporting that my student loan was 90 days past due XX/XX/XXXX and XX/XX/XXXX. I was on a forbearance plan and was not delinquent. I was advised that when the paperwork was submitted to XXXX that it would apply to Nelnet as well. I submitted the paperwork to XXXX and was still reported as 90 days in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an issue with CapitalOne Credit Services and how they decide on giving a credit limit increase. First, it is done all by computers and the request can only be made online. There is no human element to assist or escalate any issues or complaints. I tried reaching out to their management and was not able to get an solution rectified.

I also tried reaching out to their Corp Offices who were also unable to direct me to anyone but their same customer service line that would not improve the issue.

Issue : Requested a line increase since I have had this card for over 7 years now I only had one small increase to my limit. Keep getting declined due to an old credit score instead of processing the most recent which is how most banks follow procedure and review. 

I tried both XX/XX/XXXX and XX/XX/2021 whereby my scores were much higher and have had very bad experiences with CapitalOne 's scoring system which attached are two decline letters referencing my credit score in XX/XX/2021 which is an old score and reading of my current credit. I feel it is negligent on the Bank 's part to be using an old credit score and not pulling my current one to enable to have the privlege of receiving an increase to make higher priced purchases. It also make me feel CapitalOne doesn't want my business where I am being tempted to just close this account since they have been uncooperative to work with and handle this situation correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We have an escrow account with Freedom Mortgage that has a balance of {$6000.00} as off XX/XX/XXXX. We received a noticed from Freedom Mortgage our homeowner insurance will expired soon and ask to provide proof of insurance in XX/XX/XXXX. We immediately contacted our insurance agent ( whom has been our agent for the past 10 years ) for our homeowner insurance declaration page and send the document to Freedom Mortgage. Our insurance agent also informed us our policy has expired XXXX XX/XX/XXXX at XXXX, I called to Freedom Mortgage to confirm they received the insurance declaration page. They confirmed the receipt of the declaration page but have not for some reason our escrow account is NOT set to pay for our homeowners insurance. The representative told me that they can overnight a check to insurance once they can get this resolve on their end. I asked to file a formal complaint and get this escalated to management and receive a call back about this matter because our property taxes is coming due in XXXX. I did not receive any response from Freedom Mortgage, therefore, I called again on XX/XX/XXXX. Talked to a representative name XXXX and XXXX to resolve this issue, file a complaint and receive a call back. No call back. Talked to our insurance agent XX/XX/XXXX since we have no homeowner insurance coverage as our policy expired XX/XX/XXXX and we have not heard back from Freedom Mortgage. We decided to pay our homeowner insurance policy with our credit card because there was no responds from Freedom Mortgage on when they will pay our insurance premium. If Freedom Mortgage does end up paying, our insurance company can reimburse us. 

I called Freedom Mortgage again on XX/XX/XXXX at XXXX and I talked to a XXXX. XXXX did not provide any useful information and can not confirm if they will send a check to our insurance and can not confirm our property taxes will be paid in XXXX. Again, XXXX said she will escalate this matter to her supervisor. After spending hours on the phone for the past week, we still have not receive any response from Freedom Mortgage about this matter. We do not know if our property taxes nor our insurance premium will be pay but Freedom Mortgage has over $ XXXX in our escrow account and continue to collect funds towards our escrow acct from our month payment. This is not acceptable business practice and is unfair to consumers.

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 2021-11-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
Business is Deville Asset Management. It's been over 4 years since I stopped payments because they refused to send me a letter stating my debt. I didn't know the amount I owed, what has been paid and what my balance was. Once I stopped payment they still refused to send any letter with the debt information. The company called and yelled at me on my voicemail that I had to call them back because of the payments. I would call and the business phone would never be answered. They were under investigation. Now, they have sold my debt to ANOTHER debt collector XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX - Toll Free : XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have disputed this account with Experian several times and they are still reporting inaccurate information. 
I called XXXX XXXX today and spoke with a customer service representative by the name of XXXX and she does not show any delinquent information in the system with my name or my social security number or any account I have had with them in the past. She also stated that there were not any note in their system showing any contact from a representative with Experian. 
Experian is not doing a proper investigation of this account. The phone number that I called is XXXX. Experian has the account listed but no phone number provided I have old dispute results from Experian that shows those accounts were deleted in the past but now they are showing again with different account numbers but no verification information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
Over multiple instances with mutlpile months Amerihome mortgage company has taken double the payments from me. They have reversed each payment however now in XXXX they say I didn't pay them in all still again taking a payment twice in the same month. Now my mortgage payment is 34 days over due effectively messing with my credit score which is when is starts becoming a bigger deal. I was on hold with there company just for them to tell me they sent me a check that I never received. The supervisor refused to speak to me and just the the original person talk to me while he spoke to her in the background. I was upset or angry I was just trying to be professional about this whole situation. They told me they would fix the issue remove the latest fees but it would take a couple weeks. This company just doesn't seem to understand their own system or the way or works and just has me sitting on hold forever. For them to do this not once but three times is just unacceptable and them to never answer to the phone or just have some.kinda answer just shows there professionalism I'm honestly not sure I want to even be part of a company that doesn't even understand it's owns customers or systems or show the slightest concern for the issue. This company has shown me they really couldn't care less about the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was sent a letter in the mail from WellsFargo on on XX/XX/2021 informing me of my account being suspect of fraud. I did not receive the information until XX/XX/2021 as my mailing address is at my parents house and I am a XXXX. I followed up with WellsFargo the following day and found out a checking account was opened on XX/XX/2021 without my knowledge. There was no activity of the account other than it being opened. I have looked through my credit reports and have not found any obvious fraudulent activity including the opening of any bank accounts other than a slight drop in credit score. I am waiting for WellsFargo to contact me with more information into the case and was give a case number in the mean time.

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 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I purchased card for XXXX loaded XXXX and another card for XXXX and loaded XXXX upon going to register it saw monthly fee of XXXX so I didn't continue to register or activate the card and tried calling the number on the website. serve American Express XXXX. There are other prepaid cards that have no monthly fees only fee is a reload fee. I'm on a fixed income and can't afford a monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
Guaranteed rate knowing and willfully defrauded me out of thousands of dollars due to errors in my escrow account. This has been going on for almost a full year, i've made multiple attempts to correct with them directly. 

on XX/XX/XXXX guarenteed rate was contacted by my previous insurer XXXX XXXX XXXX  in regards to a payment due for my insurance policy which is escrowed. The payment was to be overnighted to ensure timely payment of the policy. 

On XX/XX/XXXX XXXX XXXX VP of Lending at Guarenteed Rate informed XXXX XXXX XXXX  a payment had been disbursed in the amount of {$470.00}. This payment was never received by XXXX XXXX XXXX. 

On XX/XX/XXXX I contact Guarenteed rate about this payment and again explained it needed to be overnighted to avoid policy cancellation the representative said it would take up to 10 business days to receive the disbursement. 

Due to this payment never being received on time my insurance carrier cancelled the policy and caused a lapse in coverage on my property. This policy was {$470.00} - with this lapse in policy Guarenteed Rate purchased forced placed insurance in the amount of {$3500.00}. 700 % more expensive even though this was caused by there lack of timely payment. 

This caused a significant increase in my monthly payment. In addition to the above I switched insurance carriers on XX/XX/XXXX and emailed Guatenteed rate a cancellation letter on XX/XX/XXXX. Guarantee rate proceed to disperse payment on XX/XX/XXXX for a policy I had already canceled. This once again caused a significant shortage to my escrow and another {$210.00} increase to my monthly payment. 

I've called multiple times, requested an escrow analysis, send documentation as proof, and yet still Guaranteed Rate will not fix my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica
State: TX

Complaint narrative:
I have been contacting Comerica Bank for the past 3-4 weeks attempting to close my bank account. Initially on XX/XX/2021 I called to close the account after having paid it to a XXXX balance. I was advised the account could not closed because that payment was still pending. I was advised once it cleared the account would be closed. I informed them Id like the account block from further charges because it had been compromised at which time they informed me they was not possible but they didnt see any upcoming/pending transactions. On XX/XX/2021 I logged back in to find the account still open and negative for approximately {$120.00}. I immediately called and was placed on hold while the previous call and account notes were reviewed. The representative returned and advised she was completing a form to have the account closed and that management had approved the reversal of the funds. She stayed the account would be closed in 24-48 hrs. It is now XX/XX/2021 and the account remains open and has now been assessed Extended Overdraft fees and has a negative balance of {$130.00}. They are now advising that the account cant be closed and Im responsible for the fees. Theyve also indicated they will research the matter more. Im fearful this issue is not going to be resolved, I will be held liable for the fees, and my credit will be impacted. Please assist!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XXXX, XX/XX/2021 ), ( XXXX XXXX XXXX  XX/XX/2021 ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX, SC has place a collections account with XXXX XXXX for collections for the amount of {$280.00} from XX/XX/XXXX. XXXX placed this on my credit XX/XX/XXXX. They never notified me. It just showed up on my credit. When I called them the customer service person was rude and did not want to hear what I had to say. This account was closed at the XXXX XXXX store in XX/XX/XXXX when I returned the equipment. I was told I hade no balance due once the equiptment was turned in. I have not heard from XXXX since yet CBE claims they were given the account for collection of {$280.00}. I want this entry off of my XXXX account. If XXXX checks with the XXXX XXXX office they should see that I returned the equiptment in XXXX XXXX. I do not want to hear from the CBE Group and since I did not do business with them they have know right placing an entry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
THANK YOU : I HAVE A PRESTIGE VISA CREDIT CARD BY REGIONS BANK. CREDIT LIMIT IS {$5000.00} AVAILABLE CREDIT IS {$1300.00} THE BANK DECIDED TO CLOSE MY ACCOUNT. THE ACCOUNT IS TILL OPEN BUT I CAN NOT USE THE CARD. I HAVE NEVER BEEN LATE OR BEHIND ON THE ACCOUNT. I HAVE A LINE OF CREDIT WITH THE SAME BANK FOR {$250000.00} OPEN AND IN GOOD STANDING NEVER LATE. PUT THEY DECIDED TO CLOSE MY ACCOUNT BUT I STILL HAVE TO PAY INTEREST FOR A CARD THAT I CAN NOT USE. I BELIEVE THAT THEY RIPPING ME OF FOR OVER A YEAR. 
I HAVE NOT FOLLOWED ON THIS BECAUSE I HAD TO HAVE XXXX XXXX XXXX XXXX. JUST GETTING BACK ON MY FEET AND AGAIN I HAVE NOT BEEN LATE ON MY ACCOUNT. 
THANK YOU AGAIN FOR TAKING A LOOK AT THIS MATTER. 
SINCERELY 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 2021-11-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter on XX/XX/2021 and i have not received no answers. I am such in distress and i feel like my letters get ignored. I pulled my credit report and there is unauthorized used of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: AZ

Complaint narrative:
This is my second complaint ( the first one was on XX/XX/2021 ) now with the bureaus they lack on giving me proper investigation. I did my own with XXXX XXXX which is where the bureaus is getting their information from and XXXX XXXX removed the bankruptcy from my report XX/XX/2021 because they can't confirm the accuracy of the bankruptcy. I've also filed an FTC report because not only is the bankruptcy not mine there are addresses, inquiries and accounts that do not belong to me. This is my last attempt in getting these inaccurate items removed if everything that I've listed is not deleted ASAP I am moving forward with legal action against all of the bureaus for not only reporting inaccurate information but not conducting a fair and proper investigation. Now there is a new account in collections that isn't mine along with inquiries. They still never even placed any fraud alert! 

First complaint ID with Transunion XXXX First complaint ID with XXXX XXXX First complaint ID with 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