vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Compass Bank where I have had a business account for over 11 years has no security to protect my account from fraudulent multiple cashing of the same check number multiple times for different amounts. If they had even a basic level of security this would have stopped what turned into 22 fraudulent checks cashed by mobile banking for {$44000.00}. 
Compass " no security '' Bank as I now refer to them had 5 chances in the beginning of this fraud to stop it in its tracks, over 30 people I spoke to were shocked that Compass " no security '' bank can not detect when the same check number is cashed multiple times for different amounts, that should ring bells shouting that there was a huge problem. 
There is a huge and growing problem with mobile banking that is not being communicated in any way to account holders that their checks can be cashed multiple times. I never knew anything about mobile banking, nor did I give permission for it to be used in connection with my account. 
I have never bounced a check in my life, yes I do not monitor my account because I knew what was coming in and going out, it was never communicated to me that I was the security for Compass " no security '' bank. I would have been better off if I kept my money in a sock, at home. I am the victim here yet Compass tied to make me feel that I was somehow part of the fraud. They could not even give me the correct forms to fill out over a 2 month period because I was out of town I had to fill out 22 forms 3 times, its amateur hour at Compass '' no security '' bank. am XXXX and I needed expert but that's not what I got, to help to figure out things like them cashing the same check numbers what I thought was 19 checks turned into to 22. Consumers be aware Compass " no security '' bank does not have your back, demand not to allow mobile banking with your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Card Services XXXX. XXXX XXXX XXXX, DE XXXX Ref Account : VISA credit card XXXX Cardmember Cardmember Address Insert from BARCLAYS Complaint Policy found its official website : Barclays is committed to offering quality products and services. We want to make it simpler for our cardmembers to report instances of dissatisfaction. Barclays uphold principles that aim to : Ensure that all customers are treated fairly and ethically, and that issues are addressed promptly. 
Embed complaints principles and complaint standards across our organization. 
Ensure that team uses sound judgment, in combination with the standards set by Barclays, to reach suitable, consistent and timely decisions. 
Inform cardmembers about complaint status and resolution. 
Make certain that all colleagues are certified on our complaints policy and principles. 

I called Barclay at XXXX-XXXX-XXXX on Monday XXXX CST. I was on hold for 1 hour and 56 minutes. I discontinued the call. 
I call Barclay at XXXX-XXXX-XXXX on Tuesday at XXXX XXXX CST. I was on hold for 45mins and finally got to speak with a Dispute Specialist, her name was no given. 
I requested to dispute a phone purchase transaction of {$190.00} with XXXX XXXX. The Specialist said that her system kicked her out the 3 times she tried to enter the dispute. The system auto closed the application. She then advised that she could not help and discontinued the call. 
This clearly DOES not support Barclays commitment of Ensure that all customers are treated fairly and ethically, and that issues are addressed promptly. the fact that this application has been configured to discriminate and treat Cardmembers unfair and differently because of the type of transaction is UNFAIR. I as a Cardmember need to be treated equally and fairly. I as Cardmember should be given the same accessibility & service as others Cardmembers are given to submit a dispute. No matter the outcome. That Service should FAIR and open to all Cardmembers, and not have a configured System to treat me unfairly. This is an ethical and the CFPB regulators and Visa have been copied carbon to this letter of this UNFAIR treatment based on the Dodd-Frank Wall Street Reform and Consumer Protection Act. 

Please response to this correspondence, Cardmember Cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA 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 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One and XXXX has caused significant legal problems. I contacted them for money for my trouble in the amount of XXXX also money paid on fraudulent credit cards. 

Please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX   - account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I paid off my lease with Kia Motor Finance in XX/XX/XXXX. I purchased the car from XXXX XXXX XXXX in XXXX WA who set up the lease. I completed the odometer statement in XX/XX/XXXX. I've never received my title. I've called 3 times over the year and each person couldn't figure out why I haven't received it and said they would send it again. On XX/XX/XXXX the person said the odometer statement was denied. She reviewed the statement and said she doesn't know why it was denied because it's was completed correctly. She said she will email the odometer team. I have no faith that after my fourth 20 minute phone call that I'm any closer to receiving my title that should have been sent XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
I received two letters from First Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX concerning my current home and property that stated that I was behind and they are attempting to collect a debt for my mortgage payment at XXXX XXXX XXXX XXXX XXXX MD XXXX, which the mortgage has been paid up and til XX/XX/2019. I called and spoke with the representative name XXXX today a little after XXXX XXXX this morning. She informed me that they received papers signed by me for a loan modification. I informed the XXXX XXXX that I have not requested any such thing, and it sounds as though some type of scam or fraud is going on. This is why I am reporting this, because it is very concerning to me. I will attach copies of the letters received, as well as proof the mortgage has indeed been paid. I am not sure what is going on, but I do not like it. There is some funny business going on somewhere, and I am not amused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please reference the attached letter I sent to Equifax on XX/XX/XXXX. THey were supposed to respond to the letter within 30 days, but I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I paid my full balance with Bank of America ( {$13000.00} ).  On XX/XX/XXXX, BofA again drew against my checking account in the same exact amount even though my balance was {$0.00}. This not only put my credit card account with them in a credit balance but also over drafted my checking account. Furthermore, upon calling BoFA I was told to just give it 3-5 days! I have a negative balance in my checking account and they basically STOLE my money {$13000.00} worth and then are telling me to just wait it out while I am drawing overdraft fees and additionally have mortgage payments and other bills to pay! There is something seriously flawed with Bank of America 's business practice in terms of their payment system. I have autopay setup to ensure I am not late on any payments so on XX/XX/XXXX they also drew another {$130.00} on this same account against my already overdrafted checking account and my credit card balance now has a {$13000.00} Credit Balance and they just tell me to wait it out. I WANT MY MONEY NOW!!!! THEY ARE A BUNCH OF CROOKS! I do not understand why on earth they would continue processing payments on a XXXX balance or even a credit balance!

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 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  and Experian are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. (  Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XXXX, I have now sent letters to Equifax 3 separate times disputing late payments that should NEVER have been on there, and even showing them violations of their reporting. Now, they've committed another violation. On XX/XX/2019, I pulled my report and they had indeed removed all 8 late payments from XXXX that I had disputed ( I have attached that report that I pulled on XX/XX/XXXX ) But, then, on XX/XX/XXXX, I pulled it again, and 4 of the late payments had been reinserted. It is now 13 days later and Equifax did not send me ANYTHING to inform me that they had reinserted those late payments. The fact of the matter is I was NEVER late on these accounts. They show the accounts were 90 days late, but there are no 60 or 30 day lates before that on the reports. I was NEVER late. Here is the history of my dispute letters to Equifax regarding this, and I've attached the corresponding letters with this complaint : 1st letter - XXXX XXXX, 2019 - ( USPS Certified Mail Tracking Number XXXX ) - They did NOT remove the late payments, and sent me a letter back stating that they had " verified '' them, but did not enclose any proof of their investigation, or how they had arrived at that conclusion. I then sent them a 2nd letter on XXXX XXXX, 2019 after I received their reply. ( USPS Certified Mail Tracking Number XXXX ). They again did NOT remove the late payments, and sent me a letter back stating that they had " verified '' them, but did not enclose any proof of their investigation, or how they arrived at that conclusion. I then sent a 3rd letter, this time detailing actual violations that I was seeing being reported on these  accounts on the credit reports. You'll see this in the 3rd letter to Equifax that I have enclosed with this complaint. 3rd letter - XX/XX/XXXX 2019 - ( USPS Certified Mail Tracking Number XXXX ). They received it on XXXX XXXX. As I stated earlier, I then pulled a report on XX/XX/XXXX, seeing that they had indeed removed all 8 of the 90 day late payments from my Equifax reports. The next day, they reinserted 4 of them, and it has now been 13 days and I've received nothing from them about the reinsertion, and still NO proof of late payments. I was NEVER late on any of these accounts. I also I demand that they remove all of the 90 day late payments from these accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
Collections of Athens severely and still calling and reporting on my credit file from when I had old XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX with no account number attached on file nor did they have my ID info for proof when I check with their manger! Yet I have signed up with XXXX XXXX XXXX who have sent coll of Athens countless letters to seize and remove the incorrect information on my credit file with all 3 bureaus and they have ignored it and ignored all my calls and messages thereafter and ignored proof sent to them via email! # XXXX EVEN MY DOC FROM THE XXXX  XXXX ( XXXX ) XXXX here! 

CALLED THEM LEFT A MAG SAYING I OWE NOTHING. <XXXX  and XXXX> ins paid up!! XXXX! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover closed my account without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
In XXXX of XXXX i had a family emergency, so CHASE bank JP Morgan returned my payment for me that was XXXX. and in XXXX i made a payment XXXX the same up to XXXX then in i was put on forbearance plan to make up for XXXX because i was denied repayment plan for that month. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX payment went to XXXX >XXXX payment went to XXXX >XXXX payment went to XXXX >XXXX payment went to XXXX> XXXX payment went XXXX. that left XXXX, XXXX and XXXX Three payments payments then i made a payment of XXXX that got returned. that would have covered two payments i was behind then in XX/XX/XXXX i made XXXX ,XXXX and XXXX =XXXX, monthly payment is XXXX so that would cover only two payments XXXX, XXXX and XXXX. XXXX with suspense XXXX then in XXXX i made a payment XXXX that went XXXX > then in XXXX i made payment XXXX that went to XXXX >then XXXX i made two payments XXXX that would make two payments that cover XXXX and XXXX then i made payment in XXXX that cover XXXX payment. XXXX leaving me owing for XXXX. with XXXX in suspense XXXX XXXX +XXXX XXXX+ XXXX XXXX and XXXX +XXXX = XXXX paid to Chase payment of XXXX x XXXX and i paid XXXX in 4 months then in XXXX Chase said i owed 4 payments by payment history i didn't owe for for 4 months in XXXX to XXXX XXXX XXXX , JP Morgan Chase i talked to her on XX/XX/XXXX but in XXXX i looked on my account i owed 4 payments so in XXXX i made two to stay out of foreclosure but after talking to XXXX XXXX XXXX she said i was still behind two payments and for repayment i have to pay my regular mortgage and half of the two payments that beXXXX plus my payment that be XXXX for four months when i don't owe it. XXXX also said they was no payment in XXXX but they was i sent proof so XXXX payment went XXXX .XXXX  payment should have went XXXX, XXXX to XXXX XXXX i made two payments to go to XXXX and XXXX then XXXX payment go to XXXX with money in suspense so i should owe less than XXXX i have added and added and this is the is how it should be

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: WA

Complaint narrative:
In XX/XX/XXXXof former friend use my information and created an account with XXXX I have reached and notified XXXX that I was not the one who made the account and that my information was used with out I never purchased anything from XXXX myself however XXXX did not close the account nor did they conduct any investigation to my claim I haven't heard from XXXX since the first bill until I was served papers in XX/XX/XXXX almost two years later saying that Not only was this in collections but they have sold my account and information to another company I was never notified of the sale or them even planning to to sell through the filed Court claim I learned that the company that they sold it to was Jefferson Capital Systems LLC collection agency. In the bill of sale/purchase agreement it clearly states that Jefferson capital systems has to update XXXX  with any payment information that is concurrent and dates of payment and XXXX has to report those changes to the credit report bureau promptly and both companies failed to do so.they have already gone through the court process and had this account to be garnished from my job a year later they did garnish my paychecks starting from XX/XX/XXXX until it's completely paid off from XXXX which is my place of work my issue is that all my credit report it does not reflect to which collection agency XXXX sold my account to or who purchased that account nor does it have an update stating that the account was paid in full and is closed and been satisfied instead of says it's delinquent and it's really putting a big red mark on my credit I would like that do you have updated I believe I should have me at my money back due to the fact that is not wasn't me who opened the account but at this time I just would like to have my information updated on my credit report report there is no report from Jefferson Capital Systems LLC even having this account or that it was in collections that it was open and they're working on suing me and it doesn't say that I was garnished and paid it off last year

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion is reporting on three separate tradelines the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 20, 23 and 27 of the attached credit report. ) This account reports a balance due of {$100.00} with a {$0.00} past due amount. This incorrect reporting is a F.C.R.A. ( Fair Credit Reporting Act ) violation and is harming my credit score.

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