vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 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:
XXXX XXXX  has denied my Identity Theft Claim stating that the information is accurate but have yet to provide any proof that I am not a victim of Identity Theft. XXXX claimed that The Slate account ending in XXXX was opened on XX/XX/2017. This account was fraudulently used a result of Identity Theft. 

Furthermore, during the periods of XXXX I have been living outside of the United States as a resident of XXXX. Therefore, any account activity during this period was made fraudulently without my knowledge as a result of Identity Theft. Any payments that was made to XXXX XXXX  was NOT made from me as I was living in XXXX. Any account usage during this period was NOT made by me. This can conclude that someone has indeed stolen my identity and has hacked into my personal account information including emails, bank accounts, credit reports, credit cards etc. Under The Fairs Credit Act I request that this debt be removed from my name or I will pursuit a civil legal action. I have attached a copy of my Identification card issued by the XXXX Of XXXX. Further documentation such as passport entry stamps of XXXX, apartment rental contract in XXXX, Car registration in XXXX and other verifiable information can be provided upon request to further prove that I was outside of the United States during the years of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I paid for a puppy but the website where a scam page, I paid {$2000.00} for puppy we never receive. 
I open the claims and I provide all the messages and email the merchant send me but Bank of Americas refuse to chargeback people who scam us.

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 2020-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I received a letter in the mail claiming I was denied a Macy 's credit card account due to them not being able to verify identity information. I didn't even apply for a credit card for Macy 's so someone must've attempted to with my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
For 3 weeks I have been trying to get a hold of a representative over at Selene Finance and I hardly ever able to get through. About 3 weeks I requested my history of my payments from Selene Finance. They have yet to respond, return phone calls, provide empty promises and I need a copy of my payment history because the lender I am trying to refinance with is requesting it and will close my loan application should I not provide them with the payment history I have asking from Selene Finance. 

How can something so easy be so difficult to provide, or have a Lender that answers their phones. 

I had no choice but to send a Qualified Written Request again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
Ordered XXXX XXXX on XX/XX/18. Was told for {$19.00} I could get internet. During the installation the installer tried to install the wifi component but could not get an internet signal. He apologized and informed me XXXX did not offer internet in my area. he also informed me that without internet I would not be getting some of the services I was paying for. I didn't realize it at the time but that was about half of the programming and movies the salesman XXXX XXXX had used to get me to order XXXX XXXX. This meant that I now had less programming and inferior service due to Mr. XXXX false information. 
After having the system for a month I found the equipment to be inferior as well. I called the XXXX repair dept. and was told that the new XXXX equipment had some bugs and they were working on improving their equipment. Nothing was improved for the next 30 days and I was getting frustrated with the remote not working the inefficient XXXX properly, plus the programming was insufficient for what I had contracted for. After numerous calls to XXXX over the two months service, with no solutions to the problems with XXXX XXXX  equipment I decided to cancel my contract on XXXX XXXX, after paying one month of the two. they sent the return packaging and I returned the equipment. In about a week I recieved a bill for {$600.00} for penalties for early disconnect and the second months service. I have tried to explain that the contract with them was contingent on having the internet that I was told I would have and that without it their equipment was inferior and the programming insufficient, they have not responded but in turn have sent a collections agency to try and extort the payment from me. The collection company is Enhanced Recovery Company, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Our TD Bank mortgage payments were paused without our consent.

I initially called TD Bank in XX/XX/2020 to inquiry about their specific terms offered to borrowers of residential mortgage loans under the federal CARES Act. 

I did not accept the terms that TD Bank offered and decided not to participate in the program. 

My wife and I continued to make all loan payments. 

On XX/XX/XXXX, we were notified for the first time, via letter from TD Bank that stated there was a Forebearance Plan on the loan and that it was being renewed. 

The letter indicated that the Forebearance Plan was placed on our loan based on the bank 's evaluation of our " incomplete loss mitigation application ''. Per this admission no application was completed, yet our loan was placed into forebearance against our wishes. 

Placing our account in an unwanted forbearance has harmed our credit reports by making it seem as though we aren't making required payments, when we have been. This may also prevent us from refinancing the loan to benefit from low interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX. I have a XXXX XXXX XXXX with adequate income from a XXXX and XXXX source. I began applying for a refinance with Loandepot on XX/XX/2020. I was told by the sales person XXXX that it would take XXXX weeks to close. I interviewed XXXX other companies. As of XX/XX/XXXX the loan had not closed. The loan processor XXXX, would ask me for information multiple times .... the same information. I got the impression that she was either incompetent or overburdened with too many loans to process. Originally I asked the sales person to contact me with the loan progress and anticipated close date ... His response was that he was too busy. So after a month I began to call XXXX and XXXX with those questions once a week on thursdays. Eventually they didnt answer my calls or return my phone calls. As of XXXX XXXX was still asking me for information previously provided, to give to the underwriter. I discontinued the process due to frustration and anxiety. 
Complaint : I believe I deserve a timely conclusion to my application, and not to be strung on like a fish. If there were problems, they should be communicated to me so that I could move on. Instead, The process caused me mental anguish, and financial harm. I lost my appraisal fee, my application and credit check fees and loan payoff fees, and I lost the timing on the interest rates. I am now refinancing at a higher cost, and paying new fees. I understand its busy, But this ( and all ) mortgage companies have the responsibility to stop taking applications if they can not fulfill their obligations in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: FL

Complaint narrative:
Hello After reviewing my results from the dispute, you guys did. I notice a hand full of inaccuracies on the result report. I have attached the supporting documents and circle the incorrect items XXXX  XXXX XXXX  : Acct # XXXX You guys stated that the original balance on this account was {$12000.00} but on the results the balance changed to {$11000.00}. You guys also stated that before the dispute that during the months of XX/XX/2019 I paid on time but on the new results that changed to 30 days late which is inaccurate.

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 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This complaint is being filed against Citi Bank ( specifically credit card division ). I have a late payment fee in the amount of : {$28.00} assessed on my account, ending in : XXXX. I spoke with CS ( based in XXXX! ) via chat today, and they declined to waive it on the grounds that another " late fee '' was already waved on the same account in XXXX this year. I explained to the agent, called XXXX ( yes, XXXX ), that that " other '' late fee was due to a technical glitch on the side of the bank ( just like this new fee ; I will come back to it in a moment ). At the beginning of this year I reported a LOST Citi credit card. So I received a new one, with a new number, ending in : XXXX. I did make a TIMELY payment on that account, but it was under the OLD credit card number. Therefore, it was Citi 's responsibility to " transfer '' ( so to speak ) my payment on to the NEW card ( new card number, but the SAME account ). Now, about this NEW late fee. I did make a payment this time around a few days after my due date ( that's true! ). HOWEVER, I did attempt to make that payment on its due date. I have 2 Citi credit cards and they have the SAME due date. Therefore, it makes NO SENSE that I will pay only one card, but not the other, and thus risking being charged fees. Besides, my balances are rarely large. I was NOT allowed to make a payment on card XXXX because the web site would NOT allow me to make a payment selection. The selections are always : minimum payment, remaining balance, etc. In my case, those options were " blocked '' ( grayed out ) and there was a message that said something along the lines of " no payment was required ''. I knew that was odd but there was nothing I could do about it. Does Citi think that I've concocted this story?!? Because I've been a client for more than 10 years, and I would not appreciate anyone questioning my integrity. I am not going to pay this late fee because I remember very well what happened recently ( described above ), just like I remember very well what happened back in XXXX of this year. Thank you for your attention.

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 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My complaint is about Wells Fargo Home Mortgage and Wells Fargo XXXX XXXX. 
I applied for forbearance and deferment in XX/XX/2020 for 6 months on both my home mortgage and my equity line that was offered to me by Wells Fargo. They told me that both loan payments would be deferred to the end of my loans. ( Files Attached ). Now they are saying that neither loan qualifies for deferment to the end of each loan and I have to start making missed payments or my home could be subject to foreclosure. 
In early XXXX, I started getting statements on both loans that said that I would have to start making the " forbearance '' payments on both loans or I could lose my house to foreclosure. 
I called Wells Fargo Home Mortgage to discuss this and reiterated that I was told in a recorded conversation that both loans would be deferred. The representative that I spoke to told me that my XXXX mortgage loan was sold to an investor, and the investor is now insisting that I bring my loan current. I said that my agreement was with Wells Fargo and not an investor and that it was their problem. 
I was told that the equity line was a " warehouse '' loan and didn't qualify for a deferment. 
I blew a gasket and was given the number to the " executive office. '' I called and spoke to a woman there and told her what was going on. I asked her to listen to the recordings that offered me forbearance and deferments on both loans. She told me that my case would be assigned to a case manager. 
My case was assigned to XXXX XXXX. He left me a message the 2nd week of XXXX that they were still investigating and someone would get back to me by XX/XX/XXXX. On that date, I was called and spoke to XXXX XXXX, my new Case Manager. He told me that they were still investigating and would get back to me with an answer by the end of XX/XX/2020. 
Today, XX/XX/XXXX, XXXX XXXX called me to tell me that they were going to refer me to the XXXX XXXX Department to figure out how to make the " missed payments '' or how to liquidate my property. He said that because I was one month late on my home mortgage and equity line that they could not defer my payments. ( I brought both loans current in XXXX. ) When I told him that this was never part of the recorded discussion, he told me that was all he could do. I asked to be transferred to his supervisor, XXXX XXXX, and am awaiting his call.

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 2020-10-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am resubmitting a complaint I made before since I believe I made it a little too complicated before and since then after speaking to attorney 's and doing research I confirmed that my rights were being violated by Discover Financial Services and I didnt point out how. 

I will include the same written documentation that I did before but this time perhaps your agency can see my complaint more clearly. 

This is SO easy to resolve. Discover is claiming that in XXXX of XX/XX/XXXXwhen I applied for a credit card that I VOLUNTARILY signed up for their propietary service Discover Protection Service. I am claiming that I did NOT. 

Due to this misunderstanding my credit score has gone down 100 + points. I am asking them to simply provide me with that original application with my Esignature that shows that did indeed sign up for this. They refuse to. They say its NOT possible. I know that is false and they are violating the Fair Credit Protection Act. 

They basically want me to sue them to get it and thats NOT fair. They know I am up against their attorneys and it will be very expensive to get that info so they figure Ill just settle and pay. Look IF there is a mistake and I did by mistake check off something that signed me up for that than I will have to live with my mistake and work out a settlement with Discover. 

But I have the right to see with my own eyes that application. I have spent 16 months overall dealing with this and countless hours on the phone and writing letters. Why am I getting the run around? With technology now a days there is no excuse and they could have provided proof to me 16 months ago. 

They keep saying '' I have not provided any new information " I am NOT the one that needs to provide new info THEY ARE.. What info do they need? They hold the cards I simply need someone to intervene and mediate this simple as that! 

I am reattaching my letters, I am sure you can sense the frustration I am going through

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I was charged for XXXX $ for my recent payoff of this loan in XX/XX/2020. The Welcome letter states clearly payoff statement charge is XXXX XXXX I have called multiple times and no customer service representative can explain why the charge is XXXX $ and what is the base for this charge, even the supervisor XXXX XXXX employee ID XXXX, called on XX/XX/2020 ) also don't know how the charge of XXXX $ was calculated and where is the base for this charge. Since this is not listed on the Welcome letter, this charge is not legitimate. I requested the loan company ( XXXX  LoanCare ) refund me with the over-charged portion. I emailed to XXXX on XX/XX/2020 with ticket # XXXX. I received response on XX/XX/2020 told me the issue was addressed. I emailed back on the same day and told them it was not addressed. On XX/XX/2020, I received response that my requested has been forwarded to the processing team. No further news ever since this email. I followed up on XX/XX/2020. Still no response. 
Please help me to contact the company to solved my over-charge issues. Ive called more than 5 times with more than half an hour each time, emailed them 4 times. I requested them to compensate me for my time spent on this issue and give me an official apology. 

Many thanks for your warm help! 

Best Regard

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 2020-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
Select portfolio servicing did not attempt to collect a debt. This loan serviced is holding {$250000.00} of my proceeds with no one to pay!

I have been told by two representatives that the money will be returned. The first told me 5-7 business days, the next said 72 business hours and then from a response to a complaint I filed they called and said they would submit a request for a refund!? 
I want to know what is going why select property sent a {$250000.00} payoff to the title company and why they have MY proceeds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: DC

Complaint narrative:
You have massive fraud going on related to unemployment benefits. I never filed a claim, notified DC that was still employed and yet received a card with benefits.

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 2020-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: NE

Complaint narrative:
We were down to the last few days of our home purchase process. We were coming up against the deadlines for my husband to have to start his job in the new city and for me to return to work for my existing job. Closing was originally scheduled for XX/XX/XXXX however we had been asking to close earlier. We were already here living in a hotel until we closed. We didnt think it would happen but on XX/XX/XXXX we got a call from the title company to schedule our closing for that afternoon. We got our funds wired over. Got to the closing appointment and signed all the documents. Then they said they had to confirm it funded and they would bring us the keys. We were there for 2.5 hours. Finally I get email notices of new conditions. They come in and tell us me we cant have the keys without making these conditions. We start working to get the required docs and I come to find out from a processor we have been working with that we were not clear to close. I have been trying to call my loan officer and no return calls. The company still has my deposit and closing cost money. Now I am hearing it might be 3 more days before we close. No calls from the company explaining what happened and why they sent us to closing if we were not ready. We are living in a hotel and need to start our jobs.

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 2020-10-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Last Summer in XXXX My XXXX  XXXX  was rear ended and totaled, i had gap insurance they paid out the full amount that honda finance corporation had sent the estimate and XXXX XXXX paid them. the accident happened last summer in XXXX and i was in the hospital for months where honda knew what had happened to my car i have a letter they sent me in XXXX saying we acknowledge your request to cancel the HONDA warranty and sent a check to my lender HONDA FINANCE CORP ( i have a copy ) now the issue is the have billed me for storage and repossesion on my vehicle when they knew it was totaled and sitting in the yard that THEY took it too once XXXX XXXX released the vehicle from inspection so the lender can take it back for and auction it off so they can make something off salvaging the car so i dont understand why i have to pay XXXX XXXX DOLLARS more when they already recevied OVER XXXX XXXX DOLLARS because of GAP insurance

Company response to consumer: Closed with explanation