vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/2020, I contacted my loan company based on letter I received regarding forbearance or loan modification from covid related issues. I filled out the application and was contacted my the home preservation representative. She would tell me what was needed and I would send. The last time I heard from her was end of XXXX requesting documents which I sent. That was the last time I ever talked to her. My calls and emails were not returned, I was sent letters requesting documentation that I needed her to clarify. I sent her copies of correspondence and asked her to clarify but no response. After weekly calls and emails, I received a letter denying me a modification because I didnt provide subsequent documentation. I believe my loan is owned by the bank and rather than talk to me, they just ignored me and my requests. The client representative would not return my calls and emails and I believe they just let the clock run until they could deny me.

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 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Amerisave Mortgage Corporation charged me a {$500.00} application fee on XX/XX/XXXX to process my refinance application. Started the loan process with loan originator XXXX XXXX. 
Was sent disclosures including Loan Estimate which I was told was the 'worst case scenario ', that rate would not go up though not yet locked, and it would close in 45 days at the most, with no appraisal required. Provided all requested documents. 
XX/XX/XXXX told loan conditionally approved, asked to send insurance documentation for both HOA umbrella policy, and my condo policy to reflect Amerisave as the lender and to include their loan number. XXXX XXXX leaves a voicemail saying everything looks good, we'll be closing in less than 2 weeks. XX/XX/XXXX loan processor XXXX XXXX emails me that nothing else is needed from me at this time. By XX/XX/XXXX I have not gotten status from XXXX or XXXX, though it now shows on my loan status page that rate lock expires XXXX ( I was never notified when it was locked ), and must close by XX/XX/XXXX to avoid an extension. 
I have given them everything they've asked for, and when I ask if anything else is needed, no reply. I leave urgent messages to speak to manager, which are ignored until I say I'm going to file a complaint with the XXXX. XX/XX/XXXX manager XXXX XXXX calls me and assures me he's going to help. He tells me there's a problem with my year to date income, coming in below what is normal for my stated annual income. I explain that I was on furlough due to Covid for 3 months, but have now been back for 3 months and will make stated income ( even during furlough I made the income due to Unemployment Insurance ). Today I got a no reply automated email from Amerisave saying they have closed my file due to it being incomplete and they are denying the loan. I believe this is a scam to not honor the loan rate that they committed to. The email has a link that will supposedly download a document with details on why I was turned down. When I click on it I get a message saying I must log in, but when I do, link not available just a statement that " You are all caught up '. I have been lied to and given the run around for almost 2 months. I want them to honor what they said when they constantly told me the loan was going to close soon. I could have pursued a mortgage with another company, so at this point I have been placed in a difficult position due to their dishonest business practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX- I sent XXXX via XXXX through BBT to XXXX for purchase of a personal computer and I did not receive the item. I saw this item on XXXX. I contacted my bank and they said the money had been delivered to the party and there is nothing they can do to reverse the transaction.

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 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Dear CFPB, I, XXXX XXXX am writing you today as an aggrieved man. I applied for a checking account with WELLS FARGO and I was denied. I was not given any reason why. I do not know if I am being discriminated against or not. I was not even offered a WELLS FARGO opportunity or second chance account, which I would be willing to open. I find this to be very disheartening. Especially after the scandal plaguing WELLS FARGO with them unlawfully opening accounts in peoples names in secret.

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 2020-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Bank is reporting a 30 day late on my credit file. Due to unforeseen circumstances surrounding the pandemic I was severely impacted financially. This was truly out of my hands as my hours were cut and I was unable to find another source of income. I am asking that you please remove this late from my credit file as it has has a big impact on my scores .I also paid this as soon as possible trying to avoid this late notation on my credit. As a long time customer I am asking for this one time courtesy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XXXX hold on an government issued check. 

XX/XX/XXXX and received an email stating the funds will be available by XX/XX/XXXX at XXXX funds are still available and the bank has started to withdraw.

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 2020-09-23 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 — Investigation took more than 30 days
Company: AMERIS BANCORP
State: NC

Complaint narrative:
This is in regards to Ameris Bank unlawfully resubmitting a closed account under a new account number in which they themselves closed and reopened. The action I want taken is it completely scrubbed from my credit history the fraudulent information. The account started in XX/XX/XXXX and closed on XX/XX/XXXX by credit records. When it was opened the amount was {$44000.00} and when it closed it was at {$6000.00}. Ameris closed the account as of XX/XX/XXXX XX/XX/XXXX out the remaining balance reporting that I was no longer under obligation for this account. Then they reopened the account under another account number and resubmitted it to all credit bureaus. I reported to the credit bureau a dispute of the fraudulent activity and an investigation has begun. The investigation by XXXX XXXX was XX/XX/XXXX and by XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: MO

Complaint narrative:
Complete Credit Solutions has been trying to collect a debt from XXXX XXXX ( original creditor ). They are also reporting this collection on my XXXX report. I've asked them to remove this debt numerous times and they have refused. 

XXXX XXXX just lost a class action lawsuit for illegal loans. This was finalized recently and one of the conditions is removal of this account/loan from all credit reporting agencies. I would like this removed immediately. I am attaching the class action settlement document to this complaint. If you want the full 92 page court document, let me know. As this reported debt is now invalid/obsolete, I also want confirmation from Complete Credit Solutions that they will not try to resell this invalid collection debt to  another company. 

Thank you

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 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NC

Complaint narrative:
Due to continuous noise complaints of my neighbors above me for several months and management 's lack of attempting to fix the issues at hand ; both management and I, came to an agreement via email, that I can move out due to him finding someone to take over my apartment. Management informed me that I would have to move out on XX/XX/2020 and surrender my keys that night so that the apartment would be prepped for the next person to take over the apartment on XX/XX/2020 and in turn I would only have to pay the amount of {$280.00} from XX/XX/2020-XX/XX/2020. 

I ensured that the apartment was clean and completely empty when I left on the night of XX/XX/2020 as requested by management. 
After moving out, I purchased my money order on XX/XX/2020 and stopped by the leasing office and placed the amount of {$280.00} in the dropbox since the office was closed due to Covid-19. 

Management then reached out to me and informed me that the person will not be moving in until XX/XX/2020, however, that was not apart of the agreement that he sent me via email, so therefore I informed the collections company via email and certified mail that I am not responsible for the rest of the amount because there was no verbal or written agreement with management that I would be responsible for any other payment. I paid what was owed of me, which was the {$280.00}, so the debt that was placed in collections is fraudulent and should be removed. 

I was also told by two close friends that still resides at the apartment complex that a couple moved in my apartment shortly after I moved out in the month of XXXX. They are not sure of the exact day of move-in, however they are sure that the person moved in XXXX. 

Although I sent certified mail to the collections agency with documents proving that I do not owe the apartment any other monies, they still placed the collections on my credit report. 

Please help me to rectify this issue, as I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We refinanced our VA mortgage with Freedom Mortgage in XXXX. We were sent several versions of closing statement before closing. Each with increasing costs of closing. The loan officer we dealt with at Freedom Mortgage said that they would pay the closing costs except for fee to VA for loan ( approx {$1000.00} ) and a fee to them of approx {$1000.00}. 

The notary that came to our home in XXXX had a different set of closing documents and no copy to leave with us. We had been trying to refinance this loan since XXXX and with COVID 19 issues were just closing in XXXX - so in frustration and without options of getting ahold of the loan officer on a Sunday, we signed closing documents. Now our loan increased by approx {$5000.00}! 

I have made several phone calls and sent several emails to Freedom Mortgage since the closing in XXXX with no response or promises to send documents within the week - now we are almost 3 months later and still no documents. I have no idea what the closing costs were on this refinance and Freedom Mortgage refuses to send the documents. I feel we have been overcharged by Freedom Mortgage and were mislead regarding the costs of the closing.

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 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company below has been constantly threating and calling me as well as sending me 2 day XXXX envelopes for the past 6 months stating that they will sue me for an old credit card debt. 
They harass me every single day From XXXX-XXXX leaving messages on my phone, work and relatives numbers and even though I have spoken to them on several occasions telling them I can not make any payments on this old debt. Especially now with covid-19 and money. They still continue to harass me. 
I went online to check out what other people have been reviewing and it is horrible. 
I would like for someone to please contact them and tell them to please stop harassing! 

Company Name : Midland Credit Management Website :  www.midlandcreditonline.com

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found the late payments listed on the dates below : XXXX and XXXX are showing I was late in XX/XX/2019 but XXXX was showing that payment to be on time. XXXX is reporting that I was late in XX/XX/2019 but the other 2 bureaus were showing that I was on time in that month. I am not sure how this happened but it is clearly a reporting error. I believe I made my payments to you when I received my statements so my thought is that my statement did not get to me. I would greatly appreciate this issue being corrected. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/2020 to remove the following incorect addresses and incorrect names from my credit report. I have not received any mail back from them and I have proof of mailing. It has been over 30 days, I demand that the following information be deleted : Transunion Incorrect Names : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, Transunion Incorrect Addresses : XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Proof of mailing to bureaus and proof of identification is attached

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 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: GA

Complaint narrative:
As of XXXX XX/XX/XXXX Axos bank ( XXXX ) are holding my funds due to a unexpected/unexplained review i contacted them twice was told they can not provided me with any info or that i cant close my account and get my funds i need my money i have XXXX kids XXXX XXXX XXXX and XXXX and bills that are due and cant work due to corona and my kids are home doing virtual learning i transferred that money in the bank thinking it was safe and Im protected i have no money as of now rent is coming up they have XXXX on hold with no real explanation on why and no time frame of when review will be over and release my funds its a difficult time in the world right now and no one should be taking money from anyone can you please help me thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
Hi I have the us bank ReliaCard for Pennsylvania for unemployment and they have locked my account with my money on it and are not releasing my funds for me to use the card I have sent in ID verification and piece of mail proving it is me I can not pay my bills or anything cause they keep telling me to wait until they have processed my documents Im getting very upset that my unemployment benefits after everything I have send still wont unlock or free my account so I can use my card.

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 2020-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
In XX/XX/XXXX, XXXX transferred the servicing of my loan to Carrington Mortgage. At that time, I was nearing the completion of a ( 5 ) year Chapter XXXX bankruptcy, with less than six ( 6 ) months remaining. Prior to filing for bankruptcy, XXXX granted me a 12 month forbearance. This amount was included in the bankruptcy and payments were made to the trustee. I also, for the duration of the bankruptcy, made the regularly scheduled monthly payment to XXXX. I never missed either of these payments. If I did, the trustee would immediately invalidate my bankruptcy. Carrington Mortgage did not understand the explanation I just provided when I called them in XX/XX/XXXX. They told me they had not received all of my loan file from XXXX and that it would take approximately 60 days for the transfer to be complete. I knew that I was going to have a problem because they told me not to make a payment. I could not skip a payment because of the bankruptcy. In XX/XX/XXXX, I called the bankruptcy department at Carrington Mortgage and insisted that they take my payment and each month following, I did the same. ( I have bank statements to show each payment ) Carrington Mortgage coded my loan as an " active foreclosure '' and began calling me after the bankruptcy was discharged. They told me the only reason my house had not been set for sale is because the Governor of Louisiana declared a stay due to COVID. They sent statements showing my loan in arrears. They said they performed a " thorough research '' on my account. I provided a printout from the trustee and bank statements. The findings from their research did not clear their many errors of incorrect payment postings ( which caused the incorrect due dates ) and their failure to accurately reconcile their loan file and XXXX 's. They continue to threaten me with foreclosure. I did not make XXXX and XXXX payments because they told me to wait until this issue is cleared up. It has been since XX/XX/XXXX and I don't know what more to do. I have called repeatedly, sent supporting documentation. These people are rude and dismissive. They talk to me and treat me as if I am lying. It is almost as if their intention is take my home. I am a XXXX year old XXXX XXXX  woman. The stress of this has taken its toll on me. I don't know what more to do. I can not afford to hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Filed a claim for {$50.00} on XX/XX/XXXX. Usaa deemed me a liar and reversed my {$50.00} credit for receiving a product that I did not order. Received wrong product, merchant unhelpful and now bank is being unhelpful! Been fighting tooth and nail to try to clear up my name and get back my money but they have been stonewalling every attempt I make to get my money back. Called numerous time and all I get are rude disrespectful and unprofessional people who like to mis treat XXXX veterans With XXXX  sur names and violate the Americans with XXXX XXXX! Very unhelpful people at USAA, only care about their bottom line

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Westlake Financial is reporting this account as a repossession and a late payment on XX/XX/XXXX to all 3 credit bureaus ... .This is inaccurate. there was never a late payment on this vehicle and it was never repossessed. I have disputed this with all 3 credit bureaus as well as with westlake. 

There are multiple violations in the reporting of this account and i would just like the ones above fixed to reflect that this vehicle was never repossessed and that it was paid on time the month of XX/XX/2020 XX/XX/2020

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 2020-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Credit Control, LLC
State: MN

Complaint narrative:
XXXX  Charged off XXXX Never reported under the fair crediting act to XXXX XXXX nor did they formally request any payment on the charge off. 
Payoff sent to XXXX  in the sale of his home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX  MN XXXX Credit Control LLC has a potential for being investigated for fraud over this particular charge off, Also reported identitytheft and they never responded properly.Records indicate this loan was paid by another financial institution according to the creditbureauas well.

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