vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 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:
Card has been blocked have faxed documents to verify my address four different times following the directions of the agent that I am in the phone with.From House of iRepresentative XXXX XXXX office on XXXX I was told that they came across as not being able to read.After waiting a total of 5hrs for a agent to help me.I was informed that it would take five business days to have a answer to my question. While I have no money to pay for food and shelter I am told that I would have to send documents over a fifth time. The very helpful employee of State Rep.XX/XX/XXXX ( ms.XXXX ) can't understand why they are receiving and unable to read faxes and has never experience this problem.on XX/XX/XXXX I received a letter from USBANK cardholder services XXXX XXXX XXXX  XXXX XXXX fl XXXX. I called on XX/XX/XXXX waiting over a hour to find out why the letter states " no further action is needed '' yet I still can not use the card. The fact of me exhausteing large amounts of time back and forth to the office of st rep and holding on the phone to he told once again I would fine out in five business days.I have a letter in my hand mailed by usbankrelia card to XXXX XXXX and on the phone I am still not verified. This is a disgrace and have been out in a desperate situation.Depend in that money to live and pay bills.XXXX  XXXX XXXX I have not received a call back from a supervisor to explain to me why there is not a email address that could be used instead of the outdated fax system.

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 2020-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/20 I transported a client from Georgia to New Jersey via car. The total charge was {$1200.00}, which was cash app ( Square ) to me. Square fees for this business transaction is {$43.00}, leaving {$1100.00} to be deposit into my bank account. Square indicated that the money would be in my account in 3 days due to the high amount. The next thing I know Square indicated that my account was terminated. I have attempted multiple times to get access to my funds, but I was transferred from person to person that was supposed to be who can resolve this problem, only to be told that they are not the one capable of helping me and they needed to transfer me to someone else. I was also told that I owed them money ( {$380.00} ) with no reason given. I was also told that they would release the money to me in 2 weeks, but that didn't happen either. It has now been 2 months. I delinked my account because I didn't trust them to do right and fearful that Square may continue to harm me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
A few years ago LVNV and I met in a court and the case was dismissed in my favor, and the court also stated that I did not owe LVNV any money. Nevertheless, LVNV has being continuing reporting to XXXX that I owe them money when in fact I do not. LVNV is filing false and fraudulent statements with XXXX. LVNV in the last 3 years has received over 400 complaints with the XXXX XXXX XXXX  for attempting to collect money when they have no legal standing. LVNV lost a {>= $1,000,000} class action law suit in the state of Maryland for the same fraudulent practices. I have already filed several complaints with XXXX in an effort to stop LVNV. I gusess my next step will be to contact my congressman to seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 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: EQUIFAX, INC.
State: CO

Complaint narrative:
IM HAVING ISSUES WITH MY CREDIT REPORTS AND I HAVE CALLED XXXX XXXX OVER THE PAST COUPLE OF MONTHS REGARDING THE ACCOUNTS THEY ARE REPORTING ON MY CREDIT REPORT AND WAS TOLD RECENTLY THEY ARE STILL WORKING ON IT AND ITS BEEN OVER THE 90 DAY PERIOD I WAS ORIGINALLY TOLD. ALSO WAS TOLD THAT THE TECHNICAL SUPPORT DEPARTMENT WASXXXX XXXX  WAS SUPPOSE TO CLEAR MY RECORD IN THERE SYSTEMS AND STILL I GET THIS MESSAGE WHEN I DO PRE APPROVALS WITH THEM. I ATTACHED THAT WITH THIS COMPLAINT ALONG WITH MY CREDIT REPORT. XXXX  ALSO SAID THEY WOULD GET BACK WITH ME ON THE FRAUDLENT INQUIRES AND NEVER DID WHICH IS OVER A XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
IM HAVING ISSUES WITH MY CREDIT REPORTS AND I HAVE CALLED XXXX XXXX OVER THE PAST COUPLE OF MONTHS REGARDING THE ACCOUNTS THEY ARE REPORTING ON MY CREDIT REPORT AND WAS TOLD RECENTLY THEY ARE STILL WORKING ON IT AND ITS BEEN OVER THE 90 DAY PERIOD I WAS ORIGINALLY TOLD. ALSO WAS TOLD THAT THE TECHNICAL SUPPORT DEPARTMENT WASXXXX XXXXXXXX WAS SUPPOSE TO CLEAR MY RECORD IN THERE SYSTEMS AND STILL I GET THIS MESSAGE WHEN I DO PRE APPROVALS WITH THEM. I ATTACHED THAT WITH THIS COMPLAINT ALONG WITH MY CREDIT REPORT. XXXX  ALSO SAID THEY WOULD GET BACK WITH ME ON THE FRAUDLENT INQUIRES AND NEVER DID WHICH IS OVER A 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 2020-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has placed a lien on my property for a credit card debt that was not mine. I have called several times to make them aware that the lien was not mine or my spouse and was told I could not speak to the person handling the issue. Ive written several letters and have not received a response I was made aware of the lien when I attempted to refinance my home. I was unable to refinance and lower my interest rate. This caused great financial hardship. I am in the process of selling the property and unable to do so due to the false lien.

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
It appears someone opened an account at a clothing store in my name a few years ago. I have tried contacting Capital One numerous times to get this off my credit. They keep saying that since the address matches mine then they are not doing anything about it. I have not lived at said address for over 4 years. 
I tried to call them this morning to get this taken care of yet again and now they are saying that I had called in back in 2019 on the account and that it is mine. The only time I have tried to call about this account is to get it taken off as it is not mine. 
I have tried for over a year to get this account taken off as it is not mine. They can not provide me the documents or anything that this is mine. I need help getting this off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I CANT QUALIFY FOR ANY PRODUCTS SEVERAL YEARS NOW BECAUSE I KEEP GETTING THIS MESSAGE THAT I HAVE HAD TO MANY OR PRESENT BAD ACCOUNTS WITH CAPITAL ONE. I HAVE CALLED AND THEY TOLD ME THEY WERE GON NA DO A INTERNAL SEARCH WITH MY NAME AND INFORMATION AND STILL NOTHING. ALSO THEY STILL HAVING CLEARED A WALMART/CAPITAL ONE CARD IN MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am trying to close my checking account with U.S. Bank due to charges coming through that were not mine and they refuse to close it due to it being in the negatives from these charges. I have tried to resolve it with there fraud department and they have claimed that they do not know how to fix the problem and continue to charge me fees putting it farther in the negatives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
I entered into a forbearance with Mr. Cooper loans, at the end of the forbearance my interest rate went up and my payment went up because of the payments I skipped. this payment that theyre offering me is much higher than the payment I had before. This payment they are offering me was offered to me after I did a modification that was supposed to help me lower my payment or keep it the same. I was under the understanding that my payments that were missed would just be tacked onto the end of the loan this was not the case for all payments. This company is not specific when you start the forbearance plan because of COVID-19, and telling you exactly what will happen at the end of your loan. When I started the forbearance plan I was not aware that my payments would go up as much as they did or my interest rate would go up, so it is almost impossible for me to make my house payment right now. I have talked with them about this And they say there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
I have disputed a charged with Current Bank, whom I bank thru and have all my direct deposits through. There was a charge of XXXX on my account. I have disputed this with the company and also my bank. The bank has told me to send in documentation in regards to my money being put back in my account that was back in XXXX, I haven't received a letter, email, or call in regards to my money. The purchased was made XXXX, I talked to one of the reps she stated that nobody had signed for the product that was ordered which means it was just ordered and sent without verification, she stated it was made online. I have no receipt, nothing in the mail in regards to this unauthorized purchase. I cancelled my card right away and got a new one and I have yet to see my money. Both companies tell me to reach out to each other its been about 3 months and I'm not going to wait longer because they didn't wait to allow somebody to use my card online to order things. Fast forward to today XX/XX/XXXX, I had been reaching out several times with absolutely no response, this dispute had been opened since XX/XX/XXXX and they responded last week rejecting my money after stating I would get it back, they dont have a direct contact, nobody can give me any type of information, the actual company cant even tell me anything all they know is that my card was used online and the address was used but it wasnt delivered to my door, our mail here the mailmen or XXXX or any delivery carrier drops packages at the front office. There is absolutely no packages with my name on there. I want to know who signed for it because what company ships out over XXXX $ in merchandise and doesn't require a signature. and the name they used was a company name so I want my money refunded to me expeditiously the same way it was used to make the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am trying to refinance. Pen Fed is my current mortgage company. 

They upgraded their system and it has caused their website to not post XXXX and XXXX mortgage statements. 

I need these for the refinance. 

I have now spoken with them six times, after long phone holds. Each time they have assured me the statements were being sent. I have validated the email addresses and have not received them. 

I have also had ineffective email exchanges where their rep told me to just get them on line. 

I am calling again today and starting my third week of trying to get these.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo is manually reversing mortgage payment in my account. This appears to only happen when I make a 'principle only ' payment, i.e. a payment outside of the regular monthly payment. After I made a payment online, Wells would create a 'payment reversal ' entry. Although the principle balance was reduced correctly by some miraculous means, the interest payment was not calculated correctly. So essentially Wells was calculating interests based on the original balance pre-payment, not based on the reduced balance. Wells told me that this is a 'software glitch ' and that it has been fixed. To verify their claim, I made another 'principle only ' payment, and sure enough, it happened again. I requested a day-by-day amortization schedule from Wells and they never got back to me. There are at least a few things that needs to be investigated here:1. Wells is likely charging me interests on the principle that I already paid back 2. Wells should not be allowed to go in to an account, and just randomly reverse a mortgage payment - there needs to be some control and oversight in place 3 if it's truely a software glitch, Wells needs to fix it ( and don't lie to the consumer that it's fixed when it hasn't ).

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 2020-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
NewRez is our loan servicer, and they failed to pay our school taxes on time. The taxes due on XX/XX/20 were in the amount of {$6700.00}. Since that due date, I have contacted NewRez over 30 times via phone and email trying to resolve the issue. As of today, XX/XX/20, NewRez has still not paid our school taxes to the XXXX XXXX  XXXX, which were due on XX/XX/20. Two late penalties have been assessed, for a total penalty of {$330.00}. 

When I contact NewRez, which has become a daily exercise, I am told that the funds were disbursed from our escrow account on XX/XX/20 to pay the school taxes. When I contact the tax collector 's office, which I last did this morning XX/XX/20, I am still told that they have not received our taxes. Dealing with NewRez has become incredibly frustrating, and they have done a terrible job as a loan servicer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. Please delete the items on the attached letter from my credit report.

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 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
TD Bank received the total payoff on my mortgage on XX/XX/2020, and as of XX/XX/XXXX, still have not closed the loan and even made an additional withdrawal of {$2000.00} from my checking account for the month of XXXX. 

After contacting them, they said they had received the total payoff in their account, and that they didn't mean to withdraw the additional {$2000.00} but they are " busy and backed up '' and have no estimation when they will close my loan or when they will refund the {$2000.00} overage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
We have PMI on our loan. We put a large principal payment on it in XX/XX/2020. The PMI should have come off then. We then recast the loan and the PMI still did not come off. We are now in XXXX and UWM is telling me that it can take up to 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I received an alert that my credit report had a significant change. When i checked the alert, i noticed that it was because i had missed a payment in one of my accounts. When i checked the account i realized that it was an account i had never opened my self. The account was a paypal synchrony bank credit card with a limit of {$1000.00}. Whoever opened this account it had done using my personal information and used it and the card was past due because the balance had not been paid. 

I don't have statements or credit card number since i never got any of them. I only have the information reported in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
My car was deemed as a Total loss by my insurance company on XX/XX/XXXX. My insurance company and myself tried reaching out to Santander many times without resolution Santander consumer usa, continues to ignore my claim. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... No one at this company wants to work!!! On XX/XX/XXXX It was brought to my attention that representative at Santander never filed my claim when I called originally. I had to file another claim while listening to babies cry in the background, mothers yelling at children, all while trying to get information to the representative at Santander consumer USA. I called Santander back again to speak with someone in the insurance department and for some reason she thought my situation was funny and continue to laugh throughout our conversation. She stated there was nothing that can be done for my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. Please delete the items on the attached letter from my credit report.

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 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
XXXX XXXX has been overcharging on my mortgage. The mortgage should be going down not up. Ocwen Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, sold the loan to PHH Mortgage XXXX XXXX XXXX XXXX XXXX, NJ XXXX who sold the loan to XXXX  XXXX, c/o PHH Mortgage Service XXXX XXXX XXXX XXXX, NJ XXXX. I went initially bought the loan from XXXX XXXX XXXX. I have a fix rate of 4.87500 %. On my XX/XX/XXXX, my principal balance {$60000.00} ( monthly : principal- {$160.00} ; interest : {$240.00} ; Escrow $ XXXX {$730.00} ). When PHH Mortgage took over, the increased the monthly payments even though there was no changes. On the XX/XX/XXXX, my principal balance is {$56000.00} ( monthly : principal- {$180.00} ; interest : {$220.00} Escrow {$400.00} = {$810.00} ). Currently principal balance is {$52000.00} ( monthly : principal- {$190.00} ; interest : {$210.00} ; Escrow {$410.00} = {$820.00} ). My monthly principal has been increasing when I have a fixed rate. Yes the interest should go down because the principal is lower ( See attachment ). Can you imagine how many people they have robbed and taken away their houses? This is ridiculous!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I file a dispute about incorrect items on my credit report. it been well over 30 days and i have not received any information about the investigation results.

Company response to consumer: Closed with explanation