vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Per previous CFPB complaint number XXXX, Fay Servicing finally acknowledged the ( 2 ) consecutive six-month Pandemic Forbearances granted to me by the prior servicer, XXXX XXXX. The duration of these started XXXX - XXXX and then the second one from XXXX - XXXX. These were already approved and in place when my account transferred to Fay Servicing XXXX. Fay Servicing has since removed my account from these, changed my account terms and falsely stated that I applied for a Trial Plan with them with a new payment amount. I have never applied for anything with Fay Servicing or requested to change my account payment terms, this is bogus. Now I know that when the Pandemic Forbearance expires XXXX, all payments not made are due. That is why I started to send in payments to them now so that the amount due XXXX, will be reduced. On XXXX. I tried to send Fay Servicing one month 's payment via XXXX and was told that the payment would not process because the account number did not exist. I requested the clerk to try again and again, same results. I tried to make a payment over the phone and was not able to. So, I mailed a payment in via USPS certified mail and it was returned. The letter dated XXXX from their Payment Processing Department, stated my payment was being returned because " Your account is in active pre foreclosure or foreclosure status. We are unable to accept anything less than the full amount due. '' Meanwhile they are charging me interest and fees while no payment is due at this time because I am in the Pandemic Forbearance until XXXX. The prior servicer allowed payments that were of course, optional during the Pandemic Forbearance and was very helpful during this national crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Started calling on XX/XX/XXXX th about redeeming reward points for a retail gift card. 1st call they told me they can not redeem the points because i get my statements sent to a XXXX XXXX XXXX I would have to make the change to street address. I had them change the address and they told me it would take a day or so. 
2d call when I asked for {$100.00} gift card for XXXX. Agent said they can not give {$100.00} cards. I was looking at the rewards program and it clearly shows cards amount up to {$100.00}. They then said maybe I could get 2 cards for {$50.00}. I said OK, then they said they would have to get OK from supervisor and to call back the next day. 
Next day they asked for a PIN number in order to process the request. I do not have a PIN number. They told me I had to have one from the time i first got the card. 
I looked back at my statement sand never got a PIN number. 
3rd call I asked why the run around and what I needed to do to get the points redeemed. They told me how great they are and I was not getting the run around it was federal law that I had to have all these things to stop criminals activity in the US. 
?? Not sure where that came from. 
4th call we went through same process about the PIN number and they took my SS number as ID. Then said I had to have an original PIN number from the start up date, and to use the number I use to get cash back from the card. I have never gotten cash from a machine and do not want to. 
End result I do not understand the effort to not honor their program. I have paid my bill with them every month for many years and first time I want to use the rewards they balk. A XXXX dollars is not a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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 mailed a dispute letter in accordance with the FCRA and the instructions listed on XXXX to Equifax info services on XXXX XX/XX/2019. Its been over 30 days and I have not received a response ( letter or phone call ). As of today Equifax has not blocked the items. They are still listed on my credit report. In accordance with the FCRA and XXXX they must block said items or delete them. Accounts disputed on grounds of identity theft were as follows : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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 — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-01-23 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I have used my debit card online without using a pin ID. But I ended up not getting the service I paid for. The fraudulent merchant would not issue a refund and would not respond, so I initiated a dispute with Axos Bank on XX/XX/XXXX. After submitting my first certification on XX/XX/XXXX and as of today XXXX XX/XX/XXXX XXXX, Axos has not resolved the issue and has not refunded the charge. 

I have been in communication with Axos either via phone or via e-mail for the period XXXX, but not once did any of the representatives provided any helpful information regarding the status of the dispute. I have talked to various customer service reps from XX/XX/XXXX to XX/XX/XXXX, but although they seemed to understand the issue, they offered no help. I have also e-mailed them various times via its secure website ( see attached ). 

Without any resolution to the XX/XX/XXXX dispute, I unexpectedly received a call from Axos Fraud dept ( a third-party provider most likely based in XXXX XXXX asking me to check the secure e-mail at Axos website and sign another certification. He offered no explanation as to what happened to the XX/XX/XXXX dispute and why I needed to sign another certification. And despite my frustration, I willingly re-submitted the certification right away ( see attached ). And as expected, to date I have not heard back from Axos, which is no longer surprising based on my previous experience during the first unresolved dispute. 

Axos does not resolve card disputes by its employees, but subcontracts it to a third-party provider in XXXX or somewhere in the XXXX XXXX. It appears that Axos does not have control over this provider and it does not follow-up any of the clients dispute status. Axos simply does not have accountability to what this provider is doing. The customer service reps do not have direct contacts with this provider. And every time I send an e-mail about a status update, the reps were so quick in closing the ticket just as soon as they have responded - whether or not their response involved resolving the issue. This is one of the worse customer service I have ever experienced with a bank in terms of getting credits for charges dispute. 

Since I have used my debit card online and ran it as a credit that is I didnt enter a PIN at the point of sale, should the bank follow the rules set out by Visa and Mastercard and thus subject to the rights spelled out under the Federal Truth in Lending Act and the Fair Credit Billing Act? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax online credit freeze portal is broken and never working. It's unacceptable that something every consumer needs for mortgages, credit lines, etc ... Is so poorly operated. They should be shut down. 

I tried calling and their service reps are awful. They bounce you around and make excuses or outright lies about how they're intending to fix your issue. 

I'm just trying to unfreeze my credit for a short window because this company was responsible for a massive data beach and created this mess in the first place. 

They can't even help me with that. They claim their " systems are down and to check back in 30min to an hour ''. It's all lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a mortgage with Citizens Bank. Due to Covid 19, I entered into a forbearance plan. On XX/XX/2020 I phoned the bank and requested to be out of forbearance, agreeing to a balloon payment at the end of mortgage.. On XX/XX/2020 they told me it was accepted. Thats a 2 month delay! I have been regularly making my monthly payments. Although they said they sent me a letter about the plan ending, I never received anything by mail or email. I have called them NUMEROUS times requesting the letter because I am refinancing my mortgage and I need proof of being out of forbearance. The phone calls have been to no avail. The representatives are all in XXXX on internet phones and I can not understand them due to poor connection and language. I have repeatedly asked to speak with a supervisor in the USA. On three occasions I was promised a callback that never came. I need this to be resolved ASAP so I can settle my refinance. I am beyond angry and frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
XXXX contends that I owe a large debt on a credit card. I disputed this debt in XX/XX/2014and told XXXX, I do not have the card in my possession and reported it lost/stolen when XXXX first sent me notice of being late to pay this debt. They assured me the charges would not be held against me and they were going to open a fraud investigation. I never heard another word. No phone calls, no statement, nothing. 
This account has gone through many debt collectors and each time, I contact the debt collector and tell them the circumstances and then follow-up with written notice within 30 days of receipt of their collection letter that I dispute the entire debt. 
I also request a copy of a judgment against me to show a court has declared that I legally owe this debt. This has never happened and every time I dispute the debt the notices and phone calls stop for a few months, but then it goes to a different collection agency and the notices and calls start again. These debt collectors call me and they call my wife and ask to speak to me. This happens all all hours of the day and this has been going on regularly since XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Consumer Finance, Inc.
State: MA

Complaint narrative:
I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I was awarded Administrator status by the Court of XXXX XXXX over my late brother 's estate ( name XXXX XXXX ), which includes savings accounts at Wells Fargo Bank. For two and a half months, I have been engaged in trying to get access to his accounts at this bank so that I can administer this estate, but have been thwarted at every turn. I supplied documentation including Original Court Authorization, Original Court Letter, Original Death Certificate, Notarized Letter of Intent which they requested, Notarized meeting Minutes ( also requested ), Statement from the Secretary of State of Wyoming showing that ownership over XXXX XXXX ( account name ) has been given to me as sole owner, two requested POAs and two inperson visits from my attorney into their XXXX XXXX XXXX XXXX Branch ( also asked for by them ) - but each time I submit anything or have my attorney go into their bank they decide that they need something else. Their latest suggestion ( included in the attachment file ) is that I name my attorney a Key Executive in my company - which is merely a holding company and has no operations- and get a third POA for some reason - stating it would require her to go into a bank every time I wanted to access the account. PLUS they require me to physically go into a branch and fill out signatory paperwork even knowing that I live in Ohio and they have no branches in my state and we are in the middle of a raging pandemic. They say they can not accept my signature any other way besides an in-person visit. We are at a stalemate. 

Following Attachment is copy of final demand letter sent to Wells Fargo asking them to respond ASAP - it was sent a week ago. Please read for full timeline of this problem.

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 2021-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion currently reports inaccurate, misleading, incomplete information on my consumer reports. 

Account : XXXX XXXX services Reporting late payments : XXXX late payment ; inaccurate ; bank records shows payment was made on XX/XX/XXXX payment. 

XXXX late payment ; inaccurate ; bank records shows payment was made on XX/XX/XXXX XXXX late payment ; inaccurate ; bank records shows payment was made on XX/XX/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 2021-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am reaching out for you to delete the following information in my file. A full description of the items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items are completely and fully deleted to correct my credit report. I've reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-23 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: NC

Complaint narrative:
I am reaching out for you to delete the following information in my file. A full description of the items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items are completely and fully deleted to correct my credit report. I've reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I received a ding on my credit report stating my score went down. I checked the report and it stated payment was delinquent on a Barclay credit card. I logged into my Barclay account and checked the account which stated past due. I immediately made a payment and called customer service. I asked why I NEVER received a statement nor email regarding my due account. I am NEVER late. My credit is perfect. The customer service rep credited my late fee but never resolved the late reporting. After this my credit went down 50-75 points. I was not late if I did not know a payment was due. I want this reversed immediately with the credit bureaus.

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 2021-01-23 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: FL

Complaint narrative:
There is an account on my credit report with the name of XXXX. It says that it is an auto loan. I have never had any dealings with XXXX. I have asked the credit bureaus to investigate this information but they are not doing the job. This is hurting my credit report a lot and i need this deleted!!!

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 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
On XXXX XXXX I had my SSI check direct deposited into a cash app account {$780.00}. On the same day thirty minutes later there was a cash out on my account for XXXX. The screen says my SSI deposit was cashed out to Visa debit XXXX. Which it's not my account. I've been reaching out for help since XXXX. Everytime I would contact cash app and tell them my check was deposited into the wrong account. Cash support says the check is in Visa debit card XXXX. I don't own a Visa debit ending in XXXX. I really need my check back. So I need your help to resolve this.

Company response to consumer: Closed with explanation