vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
RoundPoint needs to stop closing out the complaint process without addressing the issues. 

HOW DID WE GET PUT ON THE LOAN MODIFICATION IN THE FIRST PLACE???????? 
WE DID NOT ASK FOR OR SIGN UP FOR A MODIFICATION!! 
IT WAS JUST DONE!!! 
NO EXPLANATION ABOUT IT AT ALL!!!!!! 

WHEN WE HAD TO THE FOLLOWING TIME IT WAS BECAUSE OF THE INPROPER HANDELING THE FIRST TIME. IT PUT US SO FAR BEHIND WE HAD TO SIGN UP AND WAS NEVER TOLD APPLICATION WAS INCOMPLETE BECAUSE OF ONE MISSING PAGE. SENT 8 TIMES AND KEPT BEING TOLD THAT IT WAS RECEIVED, BUT NOT THAT THERE WAS AN ISSUE. ( AGAINST CALIFORNIA LAW ) THE EMAILED VERSION THAT WAS SENT IN XX/XX/2020 VIA EMAIL WAS NOT READABLE AND A PICTURE WAS SENT SHOWING THE DOWNLOADABLE COPY.

MORTGAGE COMPANY requested that a hard copy be sent in the mail of the three options that were discussed with case manager that never appeared. Not emailed in any way as the down load was unreadable. Non were ever sent at anytime other then email in XX/XX/2020, but this was ignored. YOU IGNORED THE REQUEST OF THE MORTGAGE COMPANY TO SEND THE DOCUMENTS VIA USPS. 

DO NOT DOUBLE TALK AND TALK AROUND IT!!! 

HOW WERE WE FIRST PLACED ON A MODIFICATION, THAT WE DID NOT APPLY FOR?????????????????? 

ADDRESS THESE QUESTIONS ONLY

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 2020-08-13 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
There was a late payment reported to my account in 2019. One credit bureau reports XX/XX/2019 being late and the other says XX/XX/2019 was late. Every time I try to dispute this mistake they change the date on the late payment.

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 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
The debt relates to an XXXX & XXXX XXXX  bill. Original amount owed : {$250.00}. Settled in full for {$160.00} XXXX XX/XX/XXXX ). 

I was contacted by XXXX XXXX XXXX about this early this year and I settled the account with them and it was considered PAID, SETTLED IN FULL, on XX/XX/XXXX. 

In XXXX I received a notice from a second collection agency, I.C. SYSTEM, making demand for the balance ( {$90.00} ). 

I called I C System and sent them proof that XXXX XXXX agreed to a reduced settlement. 

Today I received another notice from I C System, demanding the unpaid balance, claiming that I still owe it. 

This is affecting my credit. Both these companies have used deceptive tactics with me. I paid once, and I have a letter saying it was settled. Why should I now have to deal with yet another collection company. They won't talk to each other and they are not accepting the proof I sent!

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 2020-08-13 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: NV

Complaint narrative:
These are not my accounts, nor did I file for Bankruptcy. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
According to the company, I owe a credit card debt for {$1000.00} dollars that I have told them numerous times it was opened fraudulently. They will not share the account number with me when asked so I can file a report with the FTC. I was notified by a CSR that the account was paid through web payments through a bank I have never had and was sent to addresses Ive never lived at along with unknown phone numbers associated with the account. I was told this week that they can not investigate any more and that I am responsible for the account which was opened in 2017. The account is a collection account on my credit report and has negatively impacted my score and ability to obtain loans/credit. I have called and explained what I wanted done with the account numerous times and they have told me they will investigate but still have not had the resolution I am looking for. I was supposedly mailed several statements that I requested but they never showed up so that I can see transactions and account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received a US Bank debit card purportedly related to unemployment benefits in Colorado. Clearly, and for many reasons, this card is not for me. However, it is equally clear that US Bank or an organization they " partner with '' and " profit from '' has my personal information which caused this card to be issued. US Bank provides phone numbers to call which are unattended or otherwise impossible to reach a human to resolve this. I traveled t a US Bank facility. Even the manager there was powerless to do anything except provide a list of activities I would be " required '' to do that would take many hours ( police report, credit bureau notices, creditor notices, etc. etc. etc. ) I find this incredibly arrogant and condescending. I have done NOTHING to cause this fraud. US Bank or their affiliates have precipitated fraud or made errors, and yet they take no responsibility and accept no accountability for doing ANYTHING. This is simply not right. Why should the victim of US Bank 's fraud or incompetence be the one burdened with correcting THEIR improper actions?

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 2020-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: DLC, LLC
State: NV

Complaint narrative:
I had a very bad experience with dollar loan. I talked to XXXX  and she was very rude obnoxious irresponsible and I had a very bad interchange with her period. I want to make this very clear to the managers of dollar loan if I were to hire her I would fire her in a minute period I want something done about this I want managers to know about how she was acting and how she related to me she treated me like I was a XXXX XXXX XXXX bad naughty boy. I know she's a young mother but that doesn't exist exclude her from being pleasant and business like it which I would very much appreciate. so I'm not doing business with dollar loan center anymore because of her period

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There was a late payment reported to my account in 2019. One credit bureau reports XX/XX/2019 being late and the other says XX/XX/2019 was late. Every time I try to dispute this mistake they change the date on the late payment.

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 2020-08-13 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: SC

Complaint narrative:
There was a late payment reported to my account in 2019. One credit bureau reports XX/XX/2019 being late and the other says XX/XX/2019 was late. Every time I try to dispute this mistake they change the date on the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: SC

Complaint narrative:
There was a late payment reported to my account in 2019. One credit bureau reports XX/XX/2019 being late and the other says XX/XX/2019 was late. Every time I try to dispute this mistake they change the date on the late payment.

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 2020-08-13 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: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
Good evening, I am writing to dispute some information that has appeared on my consumer credit report. 

About three weeks ago I was contacted by credit bureaus due to a change in my rating that reduced my credit score by XXXX points. It appears that Dovenmuehle Mortgage has reported that my thirty year fixed rate loan has been increasing by over {$4000.00}. 

My loan is in forbearance and as per Accommodations under The Cares Act and XXXX XXXX regulations, the overdue amounts are not to be reported to credit bureaus since they will be eventually either be paid in full, paid in installments or added to the end of the loan. 

Please see below for Cares Act regulatory language : As defined by the CARES Act ( referred to as an accommodation under the Act ), your servicer or creditor is required to report your account as current. 
Consumer Finance Protection Bureau Therefore, as per regulation, creditors are to report the account as current and in good standing. I have contacted Dovenmuehle via telephone and email on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/2020 but have received no response. Since my last attempt to reach them ; the company has yet again added additional charges that seem like an increase on my loan or a delinquency. 

Unfortunately, my family has suffered loss of income and salary, have contracted XXXX ( XXXX  included ) and are struggling to make ends meet. Therefore, at this time, my credit score and credit line is extremely important because it can help us pay for groceries and support us in staying afloat financially. This situation is placing further financial hardship in our lives. 

My hope is a resolution that will include a withdrawal of this information from my credit reports since it is indeed erroneous ( and perhaps illegal ) as defined by The Cares Act, XXXX XXXX and XXXX XXXX 

Thank you so much for your time and support in the matter. I appreciate your help. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My Venmo got frozen a few months ago, and the executive office has mail me an letter saying they are going to hold my funds up to 180 days then I can withdrawal on or before XX/XX/2020. But right now, I'm unable to login to my old Venmo account due to I changed my phone number and I had my old phone number linked to my old account so I'm unable to receive code to verify my account, I tried to login with old device but it still asked me to sent a code to old phone number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I have an account with a service, PayPal, and they have continued to harrass me via emails. I have called twice to close my account and visited their web site to make two more attempts to close this account. I've had this account for three years and until about six months ago was satisfied with their service. They have become too big to provide the service they were providing some time ago. The process to dispute a charge has become very difficult and requires going through multiple pages and many questions. It has become far more simple to just dispute a charge by going directly to the issuer and avoiding PayPal. I have asked that my account be closed and as I said above I have tried everything that is recommended to close an account and as yet have not been able to get the account closed. I continue to receive emails both promoting their service and instructions on how to close my account. I've followed the instructions I've received twice along with two phone calls attempting to close the account. Now I starting to feel as if they are harassing me as I continue to receive unwanted emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX Capital one 360 I have transferred funds from XXXX to America-Capital one 360. 
Im suppose to transfer funds for Investment and they denied my transfer. They told me " we don't transfer funds to agency ''. They wasted my time for two days to deal with five minutes transfer. All m information for transfer is correct. I transferred it to external account by pulling it out. They had another option of transferring the funds to external account takes two days. So much waste of time. 

The bank should not have the power discriminating between small companies and big companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Good evening, I got an auto loan in WestLake financial institution company in XXXX. I bought used XXXX XXXX of XXXX. I had been a diligent payer until the Pandemic situation took place in the US, accordingly, I lost my job and all my income. I wasnt able to make a full monthly payment to the WestLake company. I tried to arrange my payment with this company, calling them virtually every day and begging them for help. However, it wasnt successful, they told me that they can not help me with this and I would have to make a full payment, no matter what. I couldnt find money to pay the car, so then they come to my house at night and towed my car with all my personal things in. 
I didnt even get any notice from WestLake that my car was going to be towed. I didnt know what to think, even called the police assuming that the car got stolen. WestLake reaches out to me in few days demanding a double monthly payment plus towing expenses and fees, saying they wont return a car otherwise. The also reported credit agencies, which damaged my credit score. The sum was prohibitive.. I asked my friend to lend me money to buy back my car as I was left without any transportation. As of now, WestLake imposed repossession expenses, late charges, NSF fees on my account. I asked them many times to work with me in this regard, and at least, take the fees off my account. They dont take into account that I have no job, no income, simply, they dont care. Fees are growing, and I dont know what to do with, feeling desperate.

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 2020-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Due to Covid 19 we requested information to Flagstar bank about a mortgage forbearance plan In XXXX. We decided not to go that route because we could still make payments with savings. Months later after diligently making all payments we decided it was time to get in a forbearance plan. They informed us that we already were in a forebarance plan and it ended XXXX. We tried to explain we just requested information and told the mortgage loan officer no to the forebarance plan in XXXX. We also did not sign any documents. However they said that there was nothing they could do and that we agreed to it. However, they have no proof besides us just asking for information. I spoke with XXXX supervisor of the west coast ( XX/XX/12 ) XXXX XXXX and she said there was nothing I can do besides calling back tomorrow. She gave me no corporate number or place to file a complaint. We are so sad and devastated that in such hard times Flagstar is refusing to help its customers. We never agreed to a forebarance plan. What can we do to fight this?

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 2020-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX someone gained access to my account, changed my XXXX  receiving email and sent {$380.00} to a new added email from my checkings account. I submitted a Claim with USAA and they said I was laiable with no explanitaion, I escalater the claim to their ERT department and same result with no explanation. I have asked several times amd they haven't solve anything. They made me create a new checking account and change all my login information. Still to this day they haven't resolbed the issue. I had XXXX  XXXX on XXXX and haven't been able to leave my home, also military orders keep me at my location, one of the agents did say they could see logins from an XXXX device, I do not own any XXXX  devices, and that the IP was also in Georgia but no where near my location. This has been frustrating and they have shown little to no interest to resolve, Inever receive a call or email, I always have to chase them to try and get answers, and to some {$380.00} might not sound like much, but military pay is not that great, we do it for our Country. And to have a bank that is dedicated to service members to treat them like they are guilty of being a victim is concerning. I hope CFPB os abpe to help me resolve this since I did not make or approve that transaction and they are treating me like I did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened a business checking account in XX/XX/2020. There was a {$750.00} bonus which was to be deposited after 90 days was reached on XX/XX/XXXX. I have not received the bonus cash deposit and when I called Tuesday XX/XX/XXXX I was hung up on and given the run around.I was put on hold over 30 minutes and then told a supervisor would call me back before days end. That never occurred I am attaching the statements to show the money in the account. It was in there for more than the required amount of time but they have not followed through with the deposit.

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 2020-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I made a payment to create auto in the amount of {$8600.00} after about four weeks I called to check if my order was ready and they instructed me that it wasnt I made this transaction on my capital one credit card I went to the shop on XX/XX/XXXX and I canceled the repair and ask for a refund.They canceled my order process my credit card for a refund and provided me with a refund receipt they instructed me that I would receive the refund in two weeks which I never have after multiple attempts in trying to resolve my issue with the credit card company and basically getting the runaround all my efforts have had negative results.

Company response to consumer: Closed with monetary relief