vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
In XXXX I went online to pay my mortgage and saw an offer from Wells Fargo to allow me to apply for relief. First I clicked on it to see what the offer was and it automatically put me in the Covid 19 relief program with no way to say NO! I tried to call but was on hold for 2 hours each time and for several days and finally just decided to ride it out. However, it really worried me as I began to see this is in fact a deferment and not a forgiveness because I thought how the heck if you can't pay would you have all that money in 3 months so I called numerous times and was told by XXXX, XXXX, XXXX & XXXX that the FHA had already approved any amount accumulated to be moved to the back of my loan because my loan payment status was excellent. So, that helped but still I know that means next XX/XX/XXXX I'd owe a ton of escrow! Given that knowledge, and after receiving my stimulus check of {$1200.00}, I called on XX/XX/XXXX and spoke to XXXX. I paid my escrow overage of XXXX and 3 months of escrow for a total of {$1400.00}. Since that time the payment has not been applied properly and they still have me listed as participating in the program, even though I've clearly stated I no longer want to be in the Covid relief program in XXXX, when I was forced to call and pay my loan over the phone, due to them not correcting my info, and also in XXXX, when I again had to pay over the phone! 
I should only owe them $ {$1400.00} and they say on my new statement I have an unpaid balance of $ {$4800.00}!! 
XXXX mortgage amount due was {$970.00}, XXXX was XXXX due to paying overage on escrow, and XXXX was {$950.00} which = {$2800.00} minus the {$1400.00} paid = {$1400.00} not $ {$4800.00}! It doesn't even match what I'd actually owe if I did have to pay all three months!! How does {$2800.00} turn into {$4800.00}? I've paid my XXXX and XXXX mortgage payments and they show that amount of {$1900.00} as unapplied funds balance!!!!!! That is the XXXX payments I made for XXXX and XXXX of {$950.00}!! 
They are trying to defraud the government is what I believe and keep me in the Covid 19 status to gain funding!! I want my account taken out of this status, the unpaid amount of {$1400.00} moved to the back of my loan as they stated was approved, and everything corrected to show I owe them nothing but my monthly mortgage payment due in XXXX of {$950.00}.

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
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX hereby makes a request for assistance with Equifax Information Services LLC, as there is a lock on my credit report with this bureau, and only with this bureau. The reason being that my daughter XXXX XXXX has her social security number applied to my Equifax report. A similar problem did exist with my daughter, where my social security number was tied to her credit bureaus, especially Equifax, but has since been resolved. Accordingly, I need any connection to my daughter removed from my Equifax report, and the lock on my credit report to be removed immediately. I am trying to purchase a new car, and the fraud alert on my Equifax report is holding up hat process. Please remove the fraud alert from my Equifax report permanently and remove any connection to my daughter XXXX XXXX. 
Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We had a home equity loan that was made into a mortgage account without getting permission from us to change it into a mortgage. How can you make an equity loan into a mortgage? The home equity loan has been paid in full ; however, that have left a XXXX ( XXXX ) on the account and we can not close the account, even after paying the amount plus the XXXX they will not remove it. They did pay some taxes that is in question and after speaking with several persons for Well Fargo, we can not come to a decision. This has affected my credit score because it states that it's late and it is not.

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, I received notification from Capital One that the credit limit on my Capital One VISA card has just been reduced " to better fit my card usage '' which is a ridiculous excuse. One of the primary benefits of high credit card limits is to serve as a safety net in case of financial emergencies. I have charged thousands of dollars worth of goods and services to my Capital One VISA card, and repaid every XXXX. I have been a Capital One customer for many years, and have never made a single late payment. This is how they reward me for being such a good customer. I am speechless!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
My mortgage loan servicing was sold from XXXX XXXX  to Fifth Third Bank. I made escrow payments to XXXX XXXX which covered insurance and taxes. When the loan servicing got transferred to Fifth Third Bank, they claim that the insurance portion was not included. I made several calls over a few weeks to get the payment taken care of and they asked for a variety of documents. 

Once the documents were finally transferred over, and there were no more excuses to not pay, Fifth Third transferred from XXXX in Customer Service, XXXX in the Insurance department, XXXX in the Escrow department, XXXX from Insurance - each refusing to take responsibility. 

Finally, I was transferred to XXXX from loan servicing and she says she needed more insurance documents and if they add it to my escrow, payments will need to be increased. I tried to get them to explain why my escrow payments will need to increase when the previous servicing company charged the same amount for escrow but covered both taxes and insurance. In addition, my property tax bills have decreased over time. They gave me a fluff explanation and held the line of asking for more documents. 

In the end, I paid the insurance payment out of pocket. This type of behavior and transfer of responsibility is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: CO

Complaint narrative:
I contacted Experian online to dispute Hard Inquiries that were on my report. I did not recognize them and I asked them to investigate the issues. The investigation took 2 days and with no result. I find it difficult to believe Any investigation was done.

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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  and Transunion should not be reporting me as a authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion should not be reporting that I am ( 60 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-08-25 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: CA

Complaint narrative:
Experian should not be reporting a collection/chargeoff in the amount of {$530.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had medical insurance coverage at the time and I have attached a copy of my Insurance ID Card for reference. This account needs to report a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
My complaint is against BBVA Bank in XXXX, AL. 

There was an error/type o in my XXXX mortgage payment. My bill pay sent {$830.00} instead of my regular payment of {$830.00}. ( XXXX cents short ) BBVA rec this payment on XX/XX/2020 but did not apply it because it was short. They should of called me ASAP. They waited 2 weeks to contact me about this. BBVA waited till it was 15 days late so they could hit me with a late charge and they did. {$30.00} Why did they hold my payment almost 3 weeks then hit me with a late charge? They could clearly see it was an error or type. I sent them {$830.00}, it was XXXX cents short, really???????? 

I was contacted on XX/XX/2020 for the first time. They should of contacted me on XX/XX/2020 when they rec my payment. They saw it was XXXX cents short but waited 2 weeks to contact me? You know why, to charge a late fee! 

The collections rep that called on XX/XX/2020 even said the late fee would be waived since it was an error. But now BBVA has stated in a message online the late fee stands. This is total XXXX and a UDAAP volition. I am never late. I have a very high credit score. XXXX I work at a XXXX. BBVA could of called me the first week and got this cleared up. No, they decided to hold the payment then hit me with a late fee. I want this late fee removed! The is Unfair, deceptive and abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: AR

Complaint narrative:
I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

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 2020-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Sometime before XX/XX/2019, I received a communication from what is now my former bank, HSBC ( " HSBC '' ), about my savings account and the ending of our relationship because I generated more than six ( 6 ) account transfers within a statement period. 

Since that time, I have had numerous communications with HSBC via telephone, email and their internal communication system offered within my HSBC online account for the return of the remainder of funds in my savings account at the time the account was closed. Each time, I receive a different reason as to why I have not received the funds, including all of the following : verification of residential address, the check was returned based on the residential address on file, the residential address does not match a previous address that was on file, a check will be sent within 7 days, a check was sent. 

Now, I do not have direct online access to my former HSBC account to continue referencing a direct communication to the funds or my relationship with the bank. 

Though there was not much remaining in the savings account, it has become a matter principle in HSBC practicing the business professionally with full accountability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25 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: NC

Complaint narrative:
We have had a difficult time keeping up with the mortgage, and have been late on payments for a year now ( starting at the end of XXXX when the homeowner lost their job ; but not because of covid-19 ).  We are almost always a month behind. 

BAYVIEW LOAN SERVICING LLC ( XXXX XXXX, Florida ) " took over '' the mortgage ( XX/XX/XXXX ) when XXXX XXXX finally gave up ( after 18 years! ) - apparently, XXXX could not tolerate our being behind one or two months at a time. We have never been able to get a hold of Bayview on the phone : wait times are more than an hour. I am sure they have a good excuse for that : they don't answer any written complaints either. 

Now they are " withholding '' the XX/XX/XXXX mortgage payment - they refuse to deposit the check, which they received on or around XX/XX/XXXX, in the same envelope with the separate check for the late fee ( which they successfully deposited on XX/XX/XXXX ). 

TEN DAYS AFTER THEY RECEIVED THE MORTGAGE PAYMENT FOR XXXX ( " Monthly Payment Due XX/XX/XXXX '' ) - that would be yesterday ( XX/XX/XXXX ), we got the " ugly '' letter from them ( sent by certified mail, no less ), copy attached. 

For clarification, our monthly mortgage payment is ( and has always been, ever since XXXX XXXX said goodbye ) {$880.00}. The late payment fee is ( and has always been ) {$23.00}, which we always write as a separate check because Bayview seems to have a XXXX of a time figuring out the two separate amounts if you combine them into one check. They also struggle with the amounts for Escrow and Insurance, both of which can change from year to year ; we know that our property taxes went up last year. I, a simple, lowly customer, can figure out the amounts after a bit of time and research, but I am not inclined to do their work for them. 

Additionally, Bayview has been trying to get us to pay " just a few extra bucks '' for an unspecified fee - it seems to vary from month to month and again, I am not inclined to do their work from them. They have yet to explain UP FRONT and CLEARLY what that " extra '' XXXX or XXXX bucks is for. We were told by XXXX XXXX that we would not be charged anything for them kicking us down to a second-class " mortgage servicer ''. 

I realize how insignificant my mortgage troubles may look in the big picture : however, I also believe that shady players like Bayview need constant reminders that I am not an easy target, and I will not quietly tolerate their less-than-subtle intimidation tactics. I fully expect they have a few more cards up their sleeves - all perfectly sanctioned by existing regulations, of course - and that the first chance they get, they will be playing more tricks. Who knows how easy it is to push senior citizens over the edge into foreclosure, which is even more profitable than " servicing mortgages ''! 

XXXX XXXX XXXX XXXX XXXX Loan Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: OH

Complaint narrative:
I'm not familiar with this a account XXXX XXXX # XXXX, please provide method of verification and validation of debt as I did not receive notice to dispute this information. Also, I have sent Certified mail to this company and received no response. As this company is no longer in business as well. 

Please Deleted ASAP.

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 2020-08-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I'm not familiar with this a account XXXX XXXX # XXXX, please provide method of verification and validation of debt as I did not receive notice to dispute this information. Also, I have sent Certified mail to this company and received no response. As this company is no longer in business as well. 

Please Deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested a method of verification to Equifax about a Bankruptcy that was on my credit report they had on my file on XX/XX/2020. I sent the letter certified and had it notarized which I have records of. They retrieved it on XX/XX/2020 signed by XXXX XXXX. They sent me back a report on XX/XX/2020 saying they had verified it validity through a company called XXXX XXXX. It says that on the report they sent me back. So, I sent a method of Verification to XXXX XXXX on XX/XX/2020 requesting the method of verification from them. Which they replied they verified it with the Us Bankruptcy court. I also got a letter form the Bankruptcy court saying they do not verify information with 3rd party Credit reporting Agency. Which I mailed to XXXX XXXX and a letter saying that three must have been an error. I sent XXXX XXXX a direct letter asking them to verify with whom they got this information from. On XX/XX/2020 XXXX XXXX sent me a response back saying they removed the Bankruptcy from there data based they had on me. Which I have records of. Then I sent a copy of the removed Bankruptcy and a letter to Equifax, and XXXX showing that XXXX XXXX had removed the bankruptcy form my credit file. I asked both Equifax and XXXX how could you have verified it with XXXX XXXX if they removed it from my file. I explained to them they can not just PARROT information they have to do a complete investigation. You can not just use the E-Oscar system with a 2-digit code. Then reply you have verified it with the Credit Reporting agency. Equifax sent me back a response on XX/XX/2020 they had verified it through XXXX XXXX and that it would stay on my credit report. Which is complete nonsense. It had already been removed from XXXX XXXX. Which proves they did not even look at the paperwork I sent them showing the Bankruptcy was removed from XXXX XXXX which they claimed they verified it with them. This is a direct violation of the FCRA under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) under Section 611 ( 5 ) ( A ) of the FRCA they must promptly remove all information which can not be verified. How can they verify the Bankruptcy when it was removed from the company? They claimed they verified it through on XX/XX/2020.This is hurting my ability to obtain credit and buy a house while making it impossible to get the credit I deserve. Causing me and my family financial hardships. This is un-acceptable and they should be held accountable for there actions.

Company response to consumer: Closed with explanation