vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
Check-n-go representative contacted me to set up a payment arrangement. After I agreed, I found out that the account had already been written off. I filed a complaint asking them to remove it from my credit report. The account is being reported on my credit report as written of, which has severely damaged my credit. They also debited my bank account after it was written off. This is in violation of the Fair Credit Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I thought the matter was settled months ago but after speaking with XXXX  I was notified that they have no record of COAF contacting them with a letter of deletion. This company is FRAUDULENT LIARS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
I have been receiving phone calls from this company stating that if I do not return their call by end of day they will have no choice but to file suit against me. They have also been calling my family leaving the same messages. I have no idea what this is for. I have disputed the debt and requested copies of any signed contracts or bills to validate this is truly my debt and I have received nothing. They did respond to XXXX  and say it's a valid debt but have provided me with zero proof. It has been years since I have had any balances owed to anyone as I paid everything off. Before calling someone and leaving messages stating you are going to file suit day after day which clearly there was no intent it would make sense to send some sort of communication proving the debt is valid.

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 2020-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
My Mortgage was transferred from XXXX XXXX To Freedom Mortgage, XX/XX/2020 I got an offer in the mail from Freedom mortgage around the last part of XXXX to lower my interest Rate I called them and talked to their representative XXXX XXXX His sales pitch was to lower my interest rate and 2 Skipped Payments in the amount of around {$3000.00}. This was a lie. I even called him back because closing told me I would only skip 1 payment, I stopped the process until I Talked to him. He assured me closing didn't have the final say he did!

I should have been more aware of a fast talker, Because It was in all actuality 1skipped payment. when I realized it and contacted Him He  said I should of held my XXXX payment and it was my fault. 
Because I had Already signed up for Direct Payment to Freedom Mortgage, My XXXX Payment was already pulled from my bank When we were in the process of Talking and signing this loan. So no w

ay I could Hold it. I assume When you are promised something to get you to sign up for a loan that Freedom Mortgage Should Stand by What They Say.

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 2020-09-14 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: MD

Complaint narrative:
I have recently obtained a copy of my credit report and discovered inaccurate information that I did not authorize. It has been over 30 days and I have yet to receive a response from the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BofA is acting with gross negligence and incompetence regarding a financial matter. At issue is a short sale request that was submitted back on XX/XX/XXXX. As you will see from the information attached we have tried contacting BofA multiple times to get this short sale going but they are 100 % non-responsive. BofA has a horrible phone service that keeps routing you back to the same automated system. We keep asking for the short sale department and we keep getting assured that is going to be happening only to be routed right back to the same automated system. This is now a running joke. BofA should not be handling loans if they can not service them properly. BofA is in violation of RESPA guidelines which require them to respond to a request within 5 business days. They are way past that.

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 2020-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XX/XX/2020 XXXX XXXX Loan Officer Flagstar Bank Consumer Complaint Division ( if you have no specific contact ) Regarding account number : XXXX Dear XXXX, On XX/XX/2020, I received an initial disclosure and loan estimate to refinance a mortgage loan. As the first estimate, it was stated that the loan would close within 45 days upon the submission of the required documentation on my part. The documentation was submitted within the requested timeframe. 

Unfortunately you have not being able to fulfill this loan within the initial disclosure time. The disclosure time has been extended four times with the last extension loan estimate being closed on XX/XX/2020 and additional loan fees of almost {$2000.00}. This is not acceptable. Because this is still ongoing and the current interest rates are lower, the loan would be less if it reflected todays interest rate. We have also had to postpone other business obligations that have accrued even more costs for us. We are extremely disappointed that this is taken almost over six months to close this transaction. We request a lower loan cost that reflects todays much lower interest rates and final closure of this process for the loan by XX/XX/2020. 

We look forward to your reply and a resolution. I will wait until ( XX/XX/2020 ) before seeking help from a consumer protection agency or XXXX XXXX XXXX. Please contact me at the above address in my signature or by phone at XXXX. 


Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2020-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Collection Service of Nevada
State: NV

Complaint narrative:
I have documents from the defendant. Document number one. Document number one has a listing of the payments that are listed on the balance sheet. The total debt is XXXX . Document number 2 has replacement charges dad were done to the apartment after I had moved out I am not responsible for all the repairs that happened to the apartment after I left I was not responsible for all these repairs that they are charging with me with. To continue with cleaning charges on document number 2 or falls. Document number 3 discharge is indicate that I did not issue a 30 day move order and their charging me because they said I just moved out. That's incorrect document number 4 states that XXXX XXXX XXXX has a notice of intent to vacate. Document number 5 is the early termination of lease a contract addendum. The following other documents that I have added to this case is posted and will be sent to collection services on devadas  who is representing XXXX XXXX. I'm going to process a small claims issue on these documents that collection services of Nevada has issued to me. After I win the small claims court. I will counter sue XXXX XXXX for {$50000.00} in damages. Thank you and goodbye

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 2020-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Had late payments on the account when it first opened due to creditor had wrong address on file the late fees where adjusted due to the mistake but the account never reported that correctly

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 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XXXX and XX/XX/2020, Barclays Bank of Delaware reported me 60 days past due on my credit card account. I don't frequently use this card, and never received a statement. Due to the COVID-19 pandemic, I was staying at my house in North Carolina, but I had my neighbor checking my mail multiple times per week. No printed notices were received. Furthermore, I received no phone calls, emails or text messages from the bank notifying me of my past due status. The amount was for only {$75.00} and has caused me material financial harm by lowering my credit score almost 100 points. I brought the account current, and I keep getting the runaround from Barclays on how to fix this problem. I am asking that past due entries be deleted, and my account reported as " current '' for the months it was reported as past due. Not only did I not receive statements, I also believe the bank did not make reasonable efforts to contact me via phone call, email or text message especially in light of the exigent circumstances related to the ongoing pandemic.

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 2020-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I received a request from Quicken Loan to do a " steam line '' refinance of my existing VA loan. I applied. Quicken Loan immediately put {$500.00} on my credit card. I was told it would be applied to the cost of the loan or refunded. Quicken denied the loan and now refuses to refund my {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a credit card account with a 0 % intro rate in XXXX, XXXX. On my first statement ( dated XX/XX/XXXX ) was the following information : " Enjoy your 0.0 % intro APR on all purchases and, if included in your offer, balance transfers, made until XX/XX/XXXX. After that, your balance will be charged the variable APR noted in your account terms. '' On my XX/XX/XXXX statement, the interest rate disclosed was 0.0 %. The balance was {$18000.00}. I had been carrying a balance throughout the introductory period. The point of getting the card was the introductory period. I completely paid off the old balance on the account by XX/XX/XXXX and made an additional payment on XX/XX/XXXX to pay off all the new charges made on the account since the XX/XX/XXXX statement. My XX/XX/XXXX statement showed a {$0.00} balance. Except for {$280.00} in interest charges. I tried, in vain, to get Capital One to reverse the interest charge. They explained that to avoid interest, I would have had to have had a {$0.00} balance on XX/XX/XXXX. To me, I felt like the information my first statement meant that whatever balance I had on XX/XX/XXXX would be treated as if I had made a purchase on XX/XX/XXXX for the balance. Interest charges would then accrue IF I did not pay off the entire balance. But I did. 

Since I completely paid off not just my XX/XX/XXXX balance by the XX/XX/XXXX due date, but also all new charges before the XX/XX/XXXX cut-off date, I expected there to be no interest charges. 

I have paid the interest charges to avoid further complications. And closed the account out of frustration and the feeling of being deceptively cheated out of {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
M & T Bank enrolled us for biweekly payments which were supposed to be auto payments from our account. They failed to execute the auto payment we were enrolled for in XXXX and did not notify us of their failure to execute the payment. They only reached out to one phone number which was erroneous in their records after the payment date had passed.

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 2020-09-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My problem isn't listed in the questions prior. A customer paid for a landscaping service with her credit card through my online accounting software XXXX. Weeks after the install she did a chargeback and her American Express was able to go into my account and steal my money without notice. This was not her money but rather another client 's money. Her money had been withdrawn from this account when she paid her bill. This account is held by XXXX  and holds the money briefly between the time the credit card pays and the money hits my checking account. This is the innerworking of my online accounting. I don't have direct access to XXXX. 
Since the money disappearing from my account I have had little recourse. I sent documents through XXXX   showing her garden installed, her texts saying she was happy etc. But I have had no response and I have no recourse. How can American Express go directly into my bank account and steal my money? I'm a single mom of XXXX, struggling like everyone else during COVID and this has been devastating. I've also had to stop taking credit cards because I have no idea how to protect myself. I have reached out to the client repeatedly. Please help!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED BELOW ARE FRAUDULENT THAT WERE OPEN IN MY NAME I DID NOT OPEN THESE ACCOUNTS SOMEONE USED MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After learning about the power in my credit report I realized I have a large amount of unauthorized inquiries on my report. I have disputed unauthorized inquires on my credit report for over a course of 6 months. The inquires have not been removed or deleted with out any verifiable information. This is hindering me from gaining financial leverage. The credit bureaus have done NO investigation into this matter nor provided any proof. 

XX/XX/XXXX was one of the last disputes I filed before making this complaint and I have heard nothing back from the company at this point they are ignoring my request ... the unauthorized inquiries have no open accounts attached to them nor do I know where they came from ... 

for example XXXX XXXX  for XXXX XX/XX/XXXX ran a hard inquiry on my report with out my consent and has left an inquiry that will not be removed.. I have asked to company to remove it ... I have now closed that account due to the shady busy. 

the following attachments will be the full lists of inquiries on my report the are unrecognized and unauthorized.

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 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After learning about the power in my credit report I realized I have a large amount of unauthorized inquiries on my report. I have disputed unauthorized inquires on my credit report for over a course of 6 months. The inquires have not been removed or deleted with out any verifiable information. This is hindering me from gaining financial leverage. The credit bureaus have done NO investigation into this matter nor provided any proof. 

XX/XX/XXXX was one of the last disputes I filed before making this complaint and I have heard nothing back from the company at this point they are ignoring my request ... the unauthorized inquiries have no open accounts attached to them nor do I know where they came from ... 

for example XXXX XXXX  for XXXX XX/XX/XXXX ran a hard inquiry on my report with out my consent and has left an inquiry that will not be removed.. I have asked to company to remove it ... I have now closed that account due to the shady busy. 

the following attachments will be the full lists of inquiries on my report the are unrecognized and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc.
State: WI

Complaint narrative:
Despite that fact that it has been almost a year of me attempting to resolve this unauthorized inquiry, CPS still has not contacted XXXX  to have it removed as previously agreed. That is FRAUD at this point, XXXX  has no record of contact from CPS for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my account and accused me of fraudulent activity. They reported me to XXXX XXXX and XXXX XXXX. This is completely inaccurate and probably libelous. They need to remove it immediately.

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