vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
As of 2 weeks ago. My account was charged {$200.00} by an ATM. I never received said {$200.00}. The ATM said my account was not charged but it was. I then contacted Bank of America and they said they would look into it. A few days later my account was closed by the state of Nevada. I then contacted the state of Nevada unemployment. I sent off what documents I had to. Bank of America has also sent off what documents they had to according to them. Yet my account is still closed.

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 2021-01-27 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I was financed by American First Finance, XXXX an amount of {$4000.00} in which {$2900.00} used to purchase items from XXXX XXXX. A balance of {$1000.00} was left with American First Finance. I was given 101 days to settle. I paid 90 % of the amount thus {$4000.00} out of Payoff Amount which is {$4700.00} with a balance of {$700.00}. 
Unfortunately, I lost my job at the XXXX XXXX XXXX due to the pandemic, so I asked for a one-month extension. I paid {$530.00} within one month period hoping to find a job. Regrettably, I missed two days to settle {$170.00} but I paid it the same day thinking it will be acceptable because of my situation at that moment. 
On XX/XX/XXXX I received an email from American First Finance demanding that I should respond to their email. So I called them and I was told to settle an amount of {$2000.00} ( which our conversations were recorded on XX/XX/XXXX ) by XX/XX/XXXX because I have missed my 101 days Payoff Settlement. 
On XX/XX/XXXX they posted an amount of {$2000.00} which appeared in my Credit Report. 
I made my first payment on XX/XX/XXXX an amount of {$500.00} then paid the rest every two weeks. I made my last payment on XX/XX/XXXX an amount of {$650.00} before XX/XX/XXXX deadline. After making the first payment, I realized after two months, the payment hasn't been posted so I called them they advised me to download XXXX  and XXXX to check my Credit Score and I did what I was told but after doing that nothing was changed. I have called them several times on the same issue but they are not willing to solve it. What baffles me most is that they confirmed to me on my calls they have received my emails ( more than 7 emails ) which I attached the receipts issued to my payments amounting to {$2000.00}. The payments are made online. 
However, now they have increased my balance from {$2000.00} to {$4800.00} which is incorrect. 
Again, American First Finance continues to demand payments from me In my opinion, I have gotten to know that they want to defraud me. 
I have settled the full amount and don't owe them. I expect them to do the right thing to bring my balance to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
Since the start of the loan our payments have been all over the map. Some {$650.00} and some {$1300.00}. The final truth in lending presented that helped make the decision to get the loan offered a set amount finance charges being broke into a set number of payments each for specific dollar amount. 24 payments of XXXX. 335 payments of XXXX and 1 payment of XXXX. It was not marked as being an adjustable interest rate. This was a refinance loan. The lender paid a total of {$80000.00} which included the closing cost and broker fee of XXXX. The first statement we received in the mail said balance of {$95000.00}!!!! And it came 21 days after closing so we could not cancel the transaction.. The copy we have it is not marked adjustable. We have our taxes and insurance being paid from an escrow account controlled by the servicer which is included in our payments every month. We received a notice saying they had audited our escrow account and it had a shortage even though they determined how much was needed monthly. None the less we made the higher payments as requested to cover the shortage. Our insurance was XXXX anually and taxes XXXX anually. So when after paying XXXX  monthly for a year and being told again there was a shortage which would require over XXXX to be placed in escrow resulting in $ XXXX balance in escrow account .and being told that what was supposed to be 5.5 interest rate now being 9.65 % our payments skyrocketed. Repeatedly i asked how there was a shortage. Never given an explanation which made sense. And when asked why our interest rate changed they said thats what we signed in agreement to. This has been a nightmare.The abuse we have suffered at the hands of various servicers is unbearable. PHH being the most recent. After ocwen ran us into the ground one final time by randomly charging XXXX for title search on top of our payment then phh took over. We are at their mercy. Companies involved are XXXX  XXXX  ( broker ) Option One ( lender ) XXXX XXXX XXXX ( trustee even though it was not a trust deed and there was no trustee named ) XXXX XXXX XXXX XXXX, Ocwen and PHH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
2nd req to you, 4tth req to Transunion ... 
Duplicate hard inquiries appear on my credit report in error by XXXX on XX/XX/19 reducing my credit score. XXXX sent a letter TWICE to all 3 agencies indicating it was an error asking for both inquiries to be removed. ALL EXCEPT TransUnion removed the inquiries & kept them removed. This seems to have happened because TansUnion can't handle how they log inquiries when a customer has a FRAUD WARNING which I did. I had the same thing happen with a different creditor and TransUnion a year later. I TRIED THEIR ONLINE REMOVAL PROCESS which failed, resulting in a form letter telling me it was a valid inquery even though I attached the letter from XXXX telling them to remove. 

You investigated this previously, Transunion said they fixed it but they never did. NEITHER INQUIRY WAS REMOVED. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CO

Complaint narrative:
I refinanced my home with Homepoint Financial on XX/XX/XXXX. The notary was receiving new paperwork after we had arrived for Closing, and as such I had to repeatedly call my Loan Processer, XXXX XXXX, about incorrect information in the closing paperwork. One major point of concern was that our first payment was listed as being required on XXXX XXXX, instead of XX/XX/XXXX, as I had been told by my Loan Processor and in my earlier paperwork. During my Closing, XXXX provided me confirmation - verablly and in email - to sign the documents as is and that my first payment would be due XX/XX/XXXX. This was XXXX 's email to me : " I apologize for missing your calls. Homepoint gives a 2 month cushion for the first payment. Your loan is expected to fund on the XXXX of XXXX. Since funding will not take place until XX/XX/XXXX your first payment will be due on XXXX. You will receive documentation that will confirm the first payment due date and amount. Please dont hesitate to contact me if you have any questions and/or concerns. Thank you for choosing Homepoint. XXXX  XXXX XXXX. '' On XX/XX/XXXX, I was notified by HomePoint that my first payment will be due XXXX  XXXX, XXXX and not XX/XX/XXXX as explicitly described by the Loan Processor. I called customer support on XX/XX/XXXX and was told my issue would be resolved and my payment date changed and tha I would be made aware of this outcome within 4 days. I have since contacted Customer Support via phone and email multiple times. I've reached out to my Loan Processor who is out of office and hasn't returned calls, and I've reached out to XXXX XXXX, her supervisor, who has also not returned calls or email. At this point, my payment is due on XX/XX/XXXX, which is incorrect, and I am running out of time to resolve, with no path forward with HomePoint Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Account was paid with a pay to delete. ( Agreement to pay account off in return to delete from credit profile )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase.com has got my cryptos stuck and are not responding they just keep my account disabling without any reason. Worst service ever dont use coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX has a policy to update credit reports mid cycle if an individual 's balance has large increases. They do this for one reason, to harm consumers by lowering their credit score creating more opportunities for lenders to charge higher interest rates. I have over a year of credit reports as proof including what I am attaching to this email. 
The following attachments will show that : XXXX XXXX XXXX reports my account on the XXXX of each month Balance reported on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX On XX/XX/XXXX XXXX XXXX reported my balance of ( XXXX ) XXXX XXXX XXXX XXXX for reasons unknown to me and just 4 days after reporting my XXXX balance, re -reported the increased balance adding additional fees of {$1000.00} Does XXXX XXXX XXXX bank routinely furnish updated balances mid cycle or more than once per month or is there a personal reason why they did with my account? 
Whatever their reason is reporting mid cycle with my account, is this policy indiscriminate with all card holders? 

I am not asking for the deletion of the line of credit or balance I am asking for the balance as of the date the initially reported to be updated correctly which was the balance reported on XX/XX/XXXX. By removing all information would stil be deliberately furnishing inaccurate information. 
Whatever the reason or policy is, I am sure the CEO of XXXX XXXX XXXX XXXX Mr.XXXX. is aware and signed off therefore, if this is a violation, discrimination or other bad behavoir, Mr. XXXX XXXX is personally responsible. 
This information will be shared on social media, along with a complaint through the CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX has a policy to update credit reports mid cycle if an individual 's balance has large increases. They do this for one reason, to harm consumers by lowering their credit score creating more opportunities for lenders to charge higher interest rates. I have over a year of credit reports as proof including what I am attaching to this email. 
The following attachments will show that : XXXX XXXX XXXX reports my account on the XXXX of each month Balance reported on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX On XX/XX/XXXX XXXX XXXX reported my balance of ( XXXX XXXX XXXX XXXX XXXX XXXX for reasons unknown to me and just 4 days after reporting my XXXX balance, re -reported the increased balance adding additional fees of {$1000.00} Does XXXX XXXX XXXX bank routinely furnish updated balances mid cycle or more than once per month or is there a personal reason why they did with my account? 
Whatever their reason is reporting mid cycle with my account, is this policy indiscriminate with all card holders? 

I am not asking for the deletion of the line of credit or balance I am asking for the balance as of the date the initially reported to be updated correctly which was the balance reported on XX/XX/XXXX. By removing all information would stil be deliberately furnishing inaccurate information. 
Whatever the reason or policy is, I am sure the CEO of XXXX XXXX XXXX XXXX Mr.XXXX. is aware and signed off therefore, if this is a violation, discrimination or other bad behavoir, Mr. XXXX XXXX is personally responsible. 
This information will be shared on social media, along with a complaint through the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX has a policy to update credit reports mid cycle if an individual 's balance has large increases. They do this for one reason, to harm consumers by lowering their credit score creating more opportunities for lenders to charge higher interest rates. I have over a year of credit reports as proof including what I am attaching to this email. 
The following attachments will show that : XXXX XXXX XXXX reports my account on the XXXX of each month Balance reported on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX On XX/XX/XXXX XXXX XXXX reported my balance of ( XXXX ) XXXX XXXX XXXX bank for reasons unknown to me and just 4 days after reporting my XXXX balance, re -reported the increased balance adding additional fees of {$1000.00} Does XXXX XXXX XXXX bank routinely furnish updated balances mid cycle or more than once per month or is there a personal reason why they did with my account? 
Whatever their reason is reporting mid cycle with my account, is this policy indiscriminate with all card holders? 

I am not asking for the deletion of the line of credit or balance I am asking for the balance as of the date the initially reported to be updated correctly which was the balance reported on XX/XX/XXXX. By removing all information would stil be deliberately furnishing inaccurate information. 
Whatever the reason or policy is, I am sure the CEO of XXXX XXXX XXXX XXXX Mr.XXXX. is aware and signed off therefore, if this is a violation, discrimination or other bad behavoir, Mr. XXXX XXXX is personally responsible. 
This information will be shared on social media, along with a complaint through the CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
I have received repeated, multiple calls, daily claiming to be from your company. It's an automated call with no detail and have received the same message from various different phone number, even my own area code. I have blocked multiple numbers, but then a new one calls with the same message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter requesting a method of verification for inaccurate items that were claimed to have been verified. It has been almost a month and I have not gotten a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
This company is reporting a debt on my consumer reports that does not exist. After numerous disputes and a XXXX complaint, the company finally sent over what is has as validating documents and it is truly a joke. The documents show no proof that I owe the original creditor nor do they show exactly what this supposed debt is for. If this company had done a proper validation of this debt they would clearly see that the original creditor is overreaching and I owe them not one red cent and, if anything, they owe me money. I have attached what they have sent as validating documents and, as you will see, this company is in clear violation of several consumer protection statutes for the amount owed being reported. Business practices like this must be curtailed. It is truly disgraceful that this company calls themselves reporting a $ XXXX debt ( effectively ruining me and my family 's lives ) with the attached documents as their only validating documents. It's disgusting and shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
The credit bureau 's are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I have a loan under United Wholesale Mortgage, my loan is a XXXX XXXX Loan and I have used 6 months of the 12 months under the Cares Act. The problem I have is I have called to extend my forbearance and they keep telling me they put in the request and I should be good but then nothing happens. I have been calling since XXXX to get everything worked out. The only thing anyone tells me is they will be putting in a request, they don't call anyone else or try actually solving the problem. I was able to get one month added but only after being on the phone for over 20 hours ' worth of phone calls. They gave me one month and I called in again in XXXX to extend for another 6 months per their policy. They keep doing the same thing, no one is handling my account at all. We found last time that the system was just Auto closing my tickets and the if they only put a request in the system it will just keep closing it. I also get a different story each time and told I have to wait. Its been over 30 days and no one is actually trying to help, the normal time as I understand is 7-10 days. They are simply saying they are putting a request in and then nothing happens. Under the Cares act I'm allowed 12 months of forbearance I've used 6 and they do not need to be consecutive. I have spent another 20 hours on the phone since XXXX to try to resolve this and no one is doing more than just submitting a service ticket in their system. There is something wrong with their system, or they are simply not processing these requests. Both are wrong. It seems like they do not have any standard practices in place for these issues and because representatives give different answers and assurances each time, it hard to believe they are actually doing anything or care too. One even told me I have a forbearance when I don't. I have been told they would call me back and they don't, I have been left on endless holds ... It just keeps going on. What no one has done is actually call or talk to anyone in the loss department or anyone that can actually help. They will only put in a service ticket and those service tickets don't go anywhere. 

Overall, it seems to me under the Cares Act that I do qualify for this forbearance and that UWM should be taking care of this as part of their responsibility under the cares act and they are neglecting to do so weather intentionally or out of incompetence. 

I need help trying to get this resolved as all my attempt to try to resolve it with UWM have resulted in the person putting ins request and no one actually taking care of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have emailed the CEO, XXXX XXXX yesterday and have attached my receipt from my probation office that the charge of {$420.00}, a charge that was on my XXXX  XXXX  Card/LVNV Funding LLC can be removed from my credit report that is in collections. That {$420.00} has been paid for through probation. That is in attempt to collect money from me. I have not received an answer yet but will like the collections removed, deleted, permanently!

Company response to consumer: Closed with explanation