vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
my loan was recently sold to freedom mortagage company in virginia and I was told by my previous lender my payment would not change. Online it showed to pay XXXX, my paper bill shows XXXX. When I call they say it is XXXX. The company says I owe three different amounts and claim my escrow is behind which was never a problem with my original lender. I have only been with this company two months and they have managed to XXXX up my entire mortage. When i reported it I suddenly lost access to my online account and they stopped returning my calls. The paper statements dont even match what their system shows. I feel this company just buys loans to try and foreclose their homes and charge unnecessary fees.

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 2020-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: HI

Complaint narrative:
XXXX was claims of debt owed ; however, no mention of interest that should be accruing to the balance owed. original creditor overpaid time without notification when no claims were requested for the time paid.

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 2020-09-14 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: TX

Complaint narrative:
A debt collection company has reported inaccurate information to Experian and Experian has not removed it. -- A couple of months ago, I noticed my credit score suddenly took a big drop and I investigated and discovered a company called XXXX XXXX XXXX ( XXXX ) had filed a collection on me saying I had opened an account with them in XX/XX/XXXX, which I had not. I filed a dispute with Experian to remove the inaccurate information and Experian just closed the dispute ( # XXXX ) without any changes being made to my file. 
Since the inaccurate information is still on my file, I contacted XXXX  directly and the representative acknowledged that in fact I had NOT opened an account with them in XX/XX/XXXX but that they had purchased an old debt on me in XX/XX/XXXX. The debt they purchased was opened in XX/XX/XXXX and the last activity on it was in XX/XX/XXXX. ( Allegedly, I had taken out a {$500.00} payday loan and made one payment on it in XXXX. ) I reminded the XXXX representative that even IF that was my debt, it has been over 7 years from the last activity and it should not be reported on my credit reports. The representative said no, that the debt was started with them in XX/XX/XXXX. 
I called Experian and asked them to remove the inaccurate information but they said there was nothing they could do about it since XXXX says it is correct.

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 2020-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCSPLUS INCORPORATED
State: FL

Complaint narrative:
To whom this may concern : On XX/XX/2020 upon checking my credit I discovered that there were items reporting negatively on my credit which has been extremely harmful to my credit score. This same day I contacted the company listed as the creditor on my report, and proceeded with the dispute process. They replied with a letter on XX/XX/2020 stating that they are the debt collectors and that the info the had was valid. 

I responded with another dispute letter on XX/XX/2020 asking them to verify and show me where I had a contractual agreement with them, they refused and decided to send me yet another letter as their so called verification, this letter was dated XX/XX/2020 The company refuses to comply with the laws of the FCRA so I am writing with hopes to get help and bring this situation to a resolve. 

upon doing further research I discovered that this company isn't even registered to collect debts in the state of Florida. 

All info to support my claim is attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wellsfargo is refuse too close out on my trust account, by the deceased old owner the XXXX XXXX XXXX aka XXXX XXXX .ss # XXXX XXXX XXXX. Old address on file is XXXX XXXX XXXX XXXX ga XXXX ... .and also XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX. XXXX XXXX XXXX XXXX XXXX ga XXXX. All this address are business address own and co own by XXXX, deceased, and am the beneficiary too these addresses. And the management of these address, are abuse me .refuse too talk too me .dont even no who i am. .i talk too a lawyer. The lawyer said he can see the name of the ttust attorney and the trust trustee. But me XXXX XXXX, dont no who these people are .please deal with this information right. I already served yall 80 days ago. For cpa and a copy of the deceased person trust or last will testament, or operational agreement. That show me as beneficiary. Why are yall refuse too give me what i am ask for.

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 2020-09-14 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME BECAUSE THEY WAS OPEN FRAUDULENTLY SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS WITHOUT MY KNOWLWDGE STOLE MY SOCIAL AND ID I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME BECAUSE THEY WAS OPEN FRAUDULENTLY SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS WITHOUT MY KNOWLWDGE STOLE MY SOCIAL AND ID I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XX/XX/2020 I updated my preferences online for my two ( 2 ) consolidated loans with Navient. I indicated that I wanted any overpayment to go towards the balance on the loan with the lowest current balance. I made an auto-payment ( pushed from my bank account, was not made over the phone or auto-debit ) on XX/XX/2020, I looked online on XX/XX/XXXX to ensure payment was properly applied, it was not. Instead Navient pro-rated the payment across the 2 loans. I called to inquire, the rep said that I had a consolidated loan, even though I have 2 separate consolidated loans ( 2 separate current balances show with 2 seprate loan numbers ). She was able to go ahead and re-apply the overpayment to the correct loan. I inquired as to how to avoid that happening in the future, she indicated that I need to inform the rep when I call on the phone ( even though I informed her I did not make a payment via phone ). I asked what the point of having a " preference/payment direction '' of " overpayment toward lowest balance, '' she again repeated that I had a consolidated loan. At that point I realized she was going to argue in a circle. I ask to make a complaint and for the complaint department, she indicated there was no phone number and I would have to email as there was no complaint department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited {$4000.00} dls cash at a Bank of America ATM inside the branch located in the city of XXXX CA. The ATM machine returned XXXX dls and kept the rest. While processing the deposit, the ATM machine crashed/ broke and kept my deposit. The money kept by this atm did not appeared as a deposit and the machine id not give me a receipt. I contacted the bank manager but she said that those atms are serviced by a third party and to call the number on the machine. I called and filed a claim right after but up to now, the bank refuses to credit my deposit. This problem is making all my payments be late and the companies will be assessing late fees. BofA refuses to pay for those late assessed fees. Please help me get my money back. The money has been in their possession since XX/XX/XXXX and still there is no progress in their investigation. I really need help desperately. 
Dispute / complain number is XXXX claims phone number 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 monetary relief
Consumer complaint received 2020-09-14 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: TX

Complaint narrative:
I have tried to call Experian to remove negativity from my credit report and can not get a live person on the phone so I have written Experian on more than one occasion to ask them to remove the UNTRUE REMARKS by XXXX XXXX XXXX from my credit report because I DID NOT AUTHORIZE THE CHARGES to my XXXX XXXX XXXX account and it is still showing on my credit 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 2020-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
Aargon Agency Inc called my cell phone with an automated/robo-caller on XX/XX/2020 at XXXX and again on XX/XX/2020 at XXXX. Aargon Agency Inc does not have permission to contact this cell number via automated/robo-caller or human caller. This is a violation of TCPA and FDCPA for the following ; Calling a cell phone with an auto-dialer, calling before XXXX, and calling without consent. I have the robo calls and data saved for upcoming litigation.

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 2020-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, I made a request to transfer funds ( {$1000.00} ) to an external account. Chase deducted the money from our checking account. Later that same day, I received a Secure Message within my account notifying me Chase could not complete the transfer. Chase never returned the {$1000.00} to our account. I have sent multiple secure messages, spoken to 5 different Chase agents at several different departments. Two acknowledged that the transfer didn't go through and transferred me to another department whose representative stated that the transfer did go through and that he didn't have access to any information ( i.e., the Secure Message from Chase ) to the contrary. He had no other suggestions and insisted it did go through. The amount never went through. I called XXXX XXXX to confirm XXXX XXXX never received an incoming or pending transfer notice and none shows in my online account at XXXX XXXX. Chase has not returned our {$1000.00} and it has been 6 days now with no end in sight to this problem. XXXX XXXX has no record of the incoming transfer because, as Chase acknowledged in one area of their website ( but not in the account itself ), it didn't go through. So, to reiterate, even though I have written proof from Chase in my account Secure Messages confirming this, no one at Chase will acknowledge it or help us get our money back from Chase. Chase has our money and won't return it to the Chase account it belongs in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: CA

Complaint narrative:
Today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. Both accounts are from XXXX  XXXX ; I have never open an account with that company and I do not have any contract with them nor am I affiliated to them in any way. I don't know who is responsible for these accounts since I did not authorize anyone to open them in my name. I did not benefit anything from these accounts such as money, services, goods or anything else nor did I ever make any payments towards these accounts. I have already filed a police report regarding these unauthorized accounts in hopes of getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I was alerted back in XX/XX/2020 that someone attempted to apply for a Lowes credit card in my name. I immediately called SyncBank and told them that the application was not initiated by me. While the person who applied was unable to open an account, it still shows up as a hard inquiry on my credit report. After SyncBank investigated, they ruled in my favor and stated that they would send notice to all three bureaus to remove the inquiry. It is now XX/XX/2020 and the hard inquiry remains on my credit 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 2020-09-14 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: CA

Complaint narrative:
Today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. Both accounts are from XXXX  XXXX ; I have never open an account with that company and I do not have any contract with them nor am I affiliated to them in any way. I don't know who is responsible for these accounts since I did not authorize anyone to open them in my name. I did not benefit anything from these accounts such as money, services, goods or anything else nor did I ever make any payments towards these accounts. I have already filed a police report regarding these unauthorized accounts in hopes of getting this resolved.

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 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Since XX/XX/2020 I have sent multiple letters, emails requesting my account be removed from home retention. 

As of XX/XX/2020 the account is still set up with home retention. I am locked out of online mortgage banking due to a prior forbearance. 

Nothing has been done for four months

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 2020-09-14 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
After reaching out to the Nordstrom company, and explaining why there was a 60 day and 30 day past due, they have responded unreasonably and proceeded to report this on my credit report. My very good score went from a good score of XXXX to a fair score of XXXX for just this occurrence. I have been a loyal customer for over 10 years with a Nordstrom debit card/credit card and have never missed payments to this magnitude. 
Explanation : I was dealing with emotional trauma and a family emergency. My husband is XXXX XXXX  XXXX and was redeploying after being gone for 9 months, he entered into an XXXX  XXXX  program. At the same time was also managing the health of my grandmother that fell ill and died in this timeframe all while stressors related to COVID ( working full time with virtual schooling ). 
Supporting evidence : I have reached out to the company and I was unaware that there was a hardship and/or COVID payment policy to postpone payments and never received anything alerting me of this policy to help out my family in a time of need. 
Additional Supporting evidence : At the time of payment due, I had plenty of money to cover the balance of the account and would have done so if I was able to emotionally handle this responsibility. I have attached statements of my bank accounts to show balances and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is not a duplicate complaint, this is a entirely different complaint.PRA informed me on a previous complaint that I was property notified of this alleged debt.PRA provided document with the address:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.That is not my address and I have never lived at that address, my address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXPRA continue to report this account to the credit reporting agencies.they are in violation of the early warning clause section 623 ( A ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Called them telling them ( 5th 3rd ) I cant make payments ( 3 payments behind ) because of unemployment  not being able to get to me back ( also filled for there 3 months forgiveness act when it came out ), on XX/XX/XXXX i made 1/3 payments ... because Im just starting to get unemployment  this first week of XXXX ... but I just came to find out that my credit score was infected by a lot but with this pandemic and the unemployment  being unexpectedly long to arrive to me its not really fair since they new in advance I wouldnt be able to pay due to unemployment  being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/20, my XXXX year old son got on to my XXXX. He made 10 purchases of items in the XXXX XXXX without knowing what he was doing. It wasn't until late that night that I received purchase notifications saying that all those purchases had been made. I filed a complaint on XXXX and was denied a refund. I then went to my credit card issuer ( Apple Card / Goldman Sachs )  and stated that these purchases were unauthorized. 

On their terms, it states : " You will not be liable for any unauthorized transactions made on your Account. '' https : //www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf In that same agreement, they say that you will be responsible for transactions that occur for people that have access to your device. That is EXTREMELY overreaching. There was no warning when I gave him access to my device. 
Any other credit card company ( like XXXX  ) would have disallowed these transactions. I suspect because of their affiliation, their relationship has become more important than consumer protections. 

I compare this to a child taking your credit card to a store and purchasing things with your credit card. Would you be able to take those things back to the store? Absolutely. Would you get a refund from the store? Absolutely. If the store refused the refund, would you be able to contact your credit card issuer to get a refund? Absolutely. 

This needs to stop.

Company response to consumer: Closed with explanation