vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo displayed unfair practices during the application process for a refinance. Wells Fargo wrongfully inflated my DTI ratio post application process without notification or correspondence, when I asked for an explanation they did not respond. Wells Fargo increased the locked interest rate from XXXX to XXXX during the post application process without informing me why. When I asked the loan officer he assured me I was guaranteed the lower interest rate I have documentation to prove this. Wells Fargo increased my DTI ratio without informing me and when I asked for a breakdown of the debt figures they refused to provide it to me, stating it was proprietary. They denied my mortgage refinance application on the basis of false information. When I asked for an investigation my issues and concerns that were raised werent addressed. FYI I am a XXXX person refinancing a property with equity in a predominately XXXX neighborhood. Evidence can be provided upon request.

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 2022-03-18 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: CORELOGIC INC
State: FL

Complaint narrative:
Previous case # XXXX there was a response sent with an attachment and attachment was not viewable on my end.

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 2022-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been victimized by XXXX XXXX XXXX XXXX and THE XXXX CIRCUIT CLERK OF COURTS PUBLIC RECORDS BANKSTERS AND JUDGESTERS ON A ROTATION OF DOCKETS AND REFUSAL TO FOLLOW THE RULE OF LAW. RECORDING ANYTHING LAWYERS HAVE WITHOUT OVERSIGHT THAT IS ILLEGAL BIAS AND FRAUD. SUNTRUST BANK LAWYERS AND DIRTY LAWYERS CREATING FRAUDULENT MORTGAGES AND REFUSING TO RELEASE THE {$0.00} Balance that is what I need today. Truist XXXX XXXX XXXX XXXX will not give satisfaction of loan that is {$0.00}. XXXX XXXX at Suntrust facilitated this fraud with XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
On XX/XX/22, my husband and I contacted Aidvantage to setup payment plans for when our student loans resume after forbearance ends. We needed this documentation to send to our mortgage lender because we are trying to purchase our first home. We were given quotes about the payments ( {$260.00} for me and approx. {$500.00} for my husband ). We received documentation of the payments we were given via email on XX/XX/22. On XX/XX/22, we received different emails with much higher payments ( {$590.00} for me and {$620.00} for my husband ) than what was previously communicated. We both spent hours on the phone to find out that the representative enteres our income information in incorrectly. On XX/XX/22, we called again to request that they recalculate the payments. The reps that we spoke with did that and gave us new payments that we agreed to ( {$270.00} for me and {$360.00} for my husband ). They told us that we should have the information emailed to us the same day. We did not receive that information. So I called back today, XX/XX/22, to check the status of the documentation. The rep said that she had no record of the payment plans that we set up. She then proceeded to reprocess both of our my payments. My payment was close to the same as what I've received on XX/XX/22 ( {$270.00} ). My husband 's payment was nearly double the about that they gave us on XX/XX/22 ( {$730.00} ). I escalated the call to a supervisor ( XXXX XXXX ) and requested that she pull the call from yesterday. She confirmed that we were given incorrect information but stated that she could not get the payment any lower. No one was able to provide us with any type of documentation on any of this. After being in the phone for over 4 hours today, my husband looks in his email and finds a letter from Maximus ( we just found out today that Maximus ' dba is Aidvantage ). It was the letter confirming the {$360.00} payment plan that no one seemed to have any idea about. So this documentation proves that the plan was processed for that amount. Both of us suffer from severe anxiety. This whole situation has caused us immense amounts of stress which has put our physical and mental health in jeopardy. At this point there is still no resolution because I still have yet to receive documentation of my payments to give to my lender so that out file can go through underwriting. We have been given incorrect information multiple times. We have spent hours on the phone to get simple documentation. This has been egregiously mishandled and no one seems to care that this may jeopardize the purchase of our family home. This is unacceptable and I demand a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
I was charged a {$200.00} security deposit on XX/XX/23. I was supposed to get a {$400.00} credit line but I have not been able to withdraw any funds from my account.I have contacted them several times but they never respond to any email and the phone is just for instructions that will lead you back to the email to support who never answer it..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: CA

Complaint narrative:
There are late payments in my account that were not updated. For almost a year now, i have been writing to the bureaus about this but i never received any reaction,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are late payments in my account that were not updated. For almost a year now, i have been writing to the bureaus about this but i never received any reaction,

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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and 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 non-monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
As you may be aware, the transfer of accounts from XXXX to Citizens Bank, XXXX XXXX, has been a chaotic nightmare. I was able to resolve most of my checking account problems by filing a complaint with the Off. of the Compt. of the Currency, which led to my dealing personally with someone in the Citizens Bank CEO 's Office.

1. The tens of thousands of other customers have not had this personal service and spent fruitless hours on the phone. They probably still are. Many institutions have been flooded with inquiries because of the need to file new routing and account numbers.

2. The hundreds of checks my wife and I purchased shortly before the merger was announced last year are now useless and we have told to destroy them. Citizens provided 25 " starter checks '' to replace them, hardly enough to last a few months, so we must buy new ones at our expense. 
3. Certain institutions ( e.g, my pension provider ) required that I file a new direct deposit form and have it notarized, at my expense. 
I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I WAS APPROVE FOR XXXX LOAN FOR XXXX XXXX XXXX XXXX XXXX WHERE I HAD TO SIGN XXXX TO PROVE MY INCOME WHERE I WAS APROVE FOR XXXX. I HAVE A BUSINESS AND BILL NEED TO BE PAID SO I WAS PAYING MY BILLS AND MY ACCOUNT WAS FROZE. I CALL FIFTH THIRD BANK WHO I BANK AND ASK WHAT GOING ON I WAS TOLD TO BRING TAX DOCUMENT TO PROVE XXXX XXXX XXXX SO I DID ONCE I TALK TO XXXX XXXX I WAS TOLD I NEED TO FILL OUT ANOTHER XXXX WITH FIFTH THIRD BANK TO PROVE MY TAXES AND THEY ALSO ASK TO PULL MY MY REGULAR XXXX TAXES. I NEVER HEARD OF THIS CAN THEY DO THIS BUT I ALSO TALK TO XXXX XXXX WHERE HE SO UNPROFESSIONAL AND ASKING ME ALL MY PERSONAL BUSINESS ABOUT MY OTHER BUSSINESS WHERE HE HAD TO LOOK IN MY PUBLIC RECORDS. XXXX XXXX WAS VERY RUDE AND XXXX AND I EVEN HAVE HIS CELL PHONE NUMBER THIS IS BUSINESS AND EVERYTHING SHOULD HAVE BEEN RECORDED. DO FIFTH THIRD BANK RED FLAG ALL XXXX LOAN AND FREEZE THERE ACOUNT THIS NOT FAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act, these inaccurate accounts have violated my rights. Please see below : XXXX XXXX  XXXX - XXXX - please Delete this account for violation because the date of last activity is reporting inaccurate dates. 

XXXX XXXX  - XXXX  - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

XXXX XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a call this morning that I had a debt owed to Fifth Third Bank in the amount of {$940.00}. I closed my account in XXXX. Apparently my debit card was used for {$560.00} after the bank account was closed. I think someone committed fraud on my bank account as it was not me. Fast forward to today they called me at XXXX am and said I had till XXXX pm today to settle the debt or it would be escalated to the attorneys for civil litigation and restitution. I went to the bank and the manager said they had no record of me owing them anything. I called the collection company back and asked for proof and they would not provide any other than a letter stating I owed the debt. I was not provided any chance to dispute the debt. Also they stated the debt was turned over for collections in XXXX ( 6 years after I closed my account ) and was still within the statute of limitations as it was within 10 years of the write off. How can they come after me for supposed money I owe them 13 years after I closed my bank account? They stated if I wanted to dispute it I would need to hire an attorney and then I would be charged attorney fees on top of what I already owed them and they would be escalating it by the end if the day. The collection company was XXXX XXXX XXXX out of XXXX Delaware. I had never heard of the 13 year old debt before today and was given XXXX hours to decide if I wanted to pay it or would be taken to court. Is this fair? I feel like it is not. Please any help understanding this would help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: NY

Complaint narrative:
My bank mistakenly mailed a XXXX  check to Capital One that was supposed to go to my utilities company. The check came from my personal bank account with my name and home address. It was made out to Capital One Retail Services and had an account number on it that matched a XXXX store card that I had closed. Capital One decided to apply that payment to my business account, where the checks are made out to Capital One Bank ( NOT Retail Services ) and has a completely different account number. I called Capital One as soon as the payment posted and requested that they send the money back to my bank account since it was obviously an error, it was made out to a different department, it had a completely different account number, and it was obviously a personal check that did not have the name of the business on it. A manager, who would only identify himself as XXXX, first tried to tell me that it did have the account number. Then he said that he was looking at the wrong payment and that I was correct that the check was for a different account in a different department but said that since Capital One had already decided to apply the payment to an account that was in no way connect to or referenced on the check they could not reverse the payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a checking and savings account with Citibank for almost 20 years. Have had various bill paying, direct deposit etc set up over the course of that time. In XXXX, for no reason and with no large changes in activity to occur, Citibank blocked my account for no reason and with zero notice. Since XX/XX/XXXX I have called multiple times and gotten no reasoning for why it was closed and no resolution. Have just been told it is in the process of closing and I would receive my balance ( almost {$4000.00} ) via check within 60-90 days then they tell me they can not provide any more information and they hang up on me. Ive gone into branches and they tell me the same thing. Every time I call they say they will leave a note for the back office and I will get an update but I have never ONCE received any updates. I call back again and get the exact same line, and they say they do not see any comments on the account. It has now been over 60 days and my account is still not closed, still shows blocked and now they are telling me the 60 days is at the point of account closure. Yet everyone prior confirmed it was 60 days from the exact XX/XX/XXXX date. And there has still been zero movement on my account even being closed. I have seen multiple cases on the internet with this same scenario. I just want my check for the balance, and then to be done with Citibank.

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 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
Homepoint miscalculated my escrow after refi XX/XX/XXXX. XX/XX/XXXX I requested they correct the amount, ( too high by over {$XXXX} ). 
When I called to check on this I was told they had not even done it, and in fact had closed the issue without doing anything. I again requested a recalculation. On XX/XX/XXXX I was provided with a Escrow Statement that completely left out my home insurance payment. I asked for Homepoint to recalculate the escrow a third time. I was assigned a Complaint Associate who would take ownership of the issue, he only called me twice. Both conversations were to notify that it had not been fixed yet. Today I called because I had not heard from them and I was concerned that my home insurance payment had not been made. The associate I spoke with read the new escrow amounts to me. They are close to correct, but I think the home insurance amount is still too low. I can not access the new The people I spoke with today could not even help me because their policy is that once it has been escalated to the Complaint department I can only talk to them, but they somehow can't get anyone on the phone. This whole time, I have asked to speak with Escrow directly and they will not allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: IL

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX**** THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX**** THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Not XXXX XXXX or XXXX XXXX XXXX XXXX ca XXXX it wax update on there as that it incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief