vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: FL

Complaint narrative:
I refinanced my mortgage with another instituation and this loan was paid off on XX/XX/XXXX. In that process, the escrow with the original lender was to be refunded to me and was identified as due to me on the loan closeout statement from BOK Mortgage in the amount of XXXX. I checked my online account and the loan showed as closed less than a week later and showed the amount to be refunded to me in the system and contact informaiton for me was confirmed as correct and a check was to be mailed. After over a month of not receiving the check I called the company on XX/XX/XXXX and complained and was told I should wait another 10 days to receive a check and I refused and requsted that the check be issued a stop payment and a new check be issued immediately. They agreed and stated it would be mailed and should be received within 10 days. 

After again not receiving the payment within 10 days, I called on XX/XX/XXXX and was told that the original check was issued a stop payment and a new check was NOT issued. The bank continues to un-lawfully hold my money and earn interest, etc. and appears to actively be aiming to delay issuing my refund for as long as possible! 

I demanded that a check be issued and over-nighted to me to ensure receipt and was told they would take another 3-5 days to print the check and could not confirm when the refund would be issued or when i would receive it. I was clear with them that I was aware of CFPB Regulation # XXXX that governs the timely distribution of Escrow refunds and that this immediately needs to be resolved. I received a call from a supervisor after hours, and i returned the call but only reach voicemail. Now today, i have placed a second request with general customer service to have a manager call and resolve the issue so a check can be issued and i have not received a call back. 

Please help! This is a significant amount of money that is important and needed to support my family, during a pandemic no less. Just another example of a major financial institution demonstrating that I am just another number and not important. I hope the CFPB can assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On numerous occasions since XX/XX/2019, I as well as several other mutual customers have attempted to do a wire transfer and ACH transfer to XXXX XXXX  in XXXX XXXX, NV at routing # XXXX and Bank of America continues to deny that it is not a valid routing number and will not make the transfer causing huge conveniences to myself, other customers and XXXX XXXX  staff. XXXX XXXX  if a federal insured domestic financial institution and XXXX is a valid, funds receiving XXXX with the federal reserve. BofA refuses to update their database or acknowledge when provided details that this routing number is accurate. BofA customers are unable to transfer THEIR money to XXXX XXXX  because of this issue and have to find other means to transfer the money at much higher costs. I have spoken to representatives at BofA and asked for this to be escalated to the technology department and they refuse and just tell me " The system doesn't recognize it. There is nothing I can do '' which is ridiculous. All Bank of America needs to do is have their technology team update their database to recognize XXXX XXXX  and routing number XXXX and this will solve many headaches.

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attached is XXXX XXXX letter stating account ending in XXXX was not displayed on my credit report Attached is Experian credit report reflecting : o XXXX  XXXX Count starting as XXXX, {$1700.00} Balance o Another Experian credit report reflecting the account ending in XXXX, Balance {$1700.00} o Another Report reflect account number as XXXX, {$1700.00} Balance These are the same account, same amounts, different numbers, and should be removed immediately. 

The Experian credit report also reflects XXXX XXXX XXXX. Attached is : o Letter from XXXX XXXX XXXX reflecting the adverse listing should be removed o I have also attached the email stating this also

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I sent a secure message though THEIR system telling them to close a dormant account. SEVEN months later, I check my credit report, as I THOUGHT I was going to buy a new car, and there is a collections against me for Barclays XXXX FRONTIER AIRLINES ANNUAL FEE of {$69.00}. No communication from XXXX, just SURPRISE - here 's a ding to your credit report for not paying the fee for a card that you cancelled 7 months ago! Trying to get someone in customer service to fix their mistake is worse than trying to get XXXX to fix your bill if you can imagine!  Barclays ' customer service tactics must have been from XXXX 's school of " Why Are You Bothering Me? ". XXXX from customer service told me that it will take up to two months just to remove the annual fee and that the dispute with the credit reporting agencies is out of her control. XXXX from dispute resolution told me it would take 7-10 days for Barclays to inform the credit agencies and that I would have to call them myself to ensure their mistake was fixed. Nobody even apologized for their mistake, in fact they insinuated that it was my fault for not following up to ensure they closed the account as I directed. If I could attach the screenshot of the secure messaging record anyone could clearly see they dropped the ball.

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 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: AK

Complaint narrative:
I owned a house in XXXX, on the XXXX XXXX of Hawaii in XXXX. In this house, I had XXXX XXXX XXXX to tv and internet. 
Due to the volocano and fire, the house was destroyed and currently and as in XX/XX/XXXX, the property was covered in 80 to 100 feet of lava. There is NO way to get to Property, Everything was Destroyed. 
I was in contact in XXXX and XXXX with XXXX  regarding this. 
The cable box was burnt up and destroyed which I believe is the basis of this bill they say I owe for {$280.00}. XXXX  told me that I would Not have to pay for this and they would take care of this. Many, many phone calls, this continues to be a problem. 
The collection agency contacted me last year. I wrote them a explanation on this problem and they said they would take care of it. 
Since XXXX  told me I would not be responsible for owing or returning this equipment, which COULD NOT be returned, due to this Natural Disaster, I am asking to have this removed from my credit report. 
It is a small amount of money and I have in Good Faith, followed the procedures and talked to XXXX  over and over about this. 
This lava flow with a Federal Natural Disaster and is widely known to have occurred About 720 houses were taken out, I personally had 2 homes lost, only one have XXXX XXXX. Address of property involved was at that time, Before Lava : XXXX XXXX XXXX XXXX, XXXX, HI XXXX, owners. No address, no access, no mailboxes, nothing Left, except for the presumed 80-100 feet of Lava covering Everything. Please help me resolve this, nothing else has seemed to work and what they told me and what happens are two different things Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
We refinanced our home with a new mortgage on XX/XX/2020. As part of that process we paid off our existing mortgage with Nationstar Mortgage LLC dba Mr. Cooper ( Mr. Cooper ). Mr. Cooper charged a {$30.00} " Quote Fee '' and a {$20.00} " Expedited Delivery Fee. '' I called Mr. Cooper to complain about these fees because the {$50.00} in fees is for simply pressing a few buttons on Mr. Cooper 's computer system and sending an email with a .pdf of the pay off report to the title company. To the best of my knowledge, we never signed a document agreeing to paying Mr. Cooper these two fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC
State: NH

Complaint narrative:
At the end of XX/XX/2020 our mortgage with New Day USA XXXX XXXXXXXX XXXX ) was transferred/sold to XXXXXXXX XXXX but on XX/XX/XXXX both companies withdrew my monthly payment of {$1800.00}. I believe the error was on New Day USA 's end because they had told me that the payment withdrawals would stop at the end of XXXX. Despite repeated calls to them I have not been able to get the money back. I am a Veteran and could not afford to have two mortgage payments come out of my account so it overdrafted onto my credit card. I will now have to  pay interest on the credit card for that amount. At the very least I need the money to be credited back to me as well as a penalty payment to cover the interest on my credit card and the time lost due to multiple calls to both companies and my bank to try to get the money back. 

I have attached copies of the monthly statements from both XXXX XXXX  and New Day USA as well as the transactions from my bank account that show the payments coming out of my account on XX/XX/XXXX and XX/XX/XXXX. 

I would also just like to say that I have spoken with New Day USA XXXX XXXX XXXX  XXXX multiple times in an effort to resolve this and they have been very unhelpful to the point of being rude. This kind of treatment of anyone let alone veterans is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Im looking to buy a house and have been working with a lending company. In XXXX they pulled my credit with my consent and provided me with a pre approval. I had some debt in my revolving accounts that I have since payed off. I reached out to my lender asking now that I have paid some of this debt off. Was there a way to see if that would reflect positively on my credit WITHOUT a second hard inquiry. The lender said one moment and next thing I know I get a notification the my credit was pulled from two agencies. I informed the lender that this was an unauthorized inquiry and her response was Im sorry there is nothing I can do.

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Attached is XXXX XXXX letter stating account ending in XXXX was not displayed on my credit report o Attached is Transunion credit report reflecting XXXX  XXXX account ending in XXXX o Another Report reflect account number as XXXX. A o Attached XXXX  credit report reflecting the account ending in XXXX These are the same account, same amounts, different account numbers, and should be removed immediately. 

Transunion credit report also reflects XXXX XXXX XXXX. Attached is : o Letter from XXXX  XXXX XXXX reflecting the adverse listing should be removed o I have also attached the email stating this also

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I asked for a {$250.00} increase to my mastercard issued by Capital One which has a {$750.00} limit. This increase would have increased my credit from {$750.00} to {$1000.00}. I received a letter that my request was denied because I only make {$25.00} minimum payments each month This is not true because I make {$100.00} payments each month and have never missed a monthly payment. These {$100.00} payments alone should have qualified me for an increase. Also, the letter stated that my existing credit line has been too high. However this is why I asked for the increase because a {$750.00} limit is insufficient. I am an XXXX-XXXX  female age XXXX with an annual income of {$94000.00} per year from my retirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Attached is Capital One letter stating account ending in XXXX was not displayed on my credit report Attached is XXXX  credit report reflecting : o Capital One Count starting as XXXX, {$1700.00} Balance o Another XXXX  credit report reflecting the account ending in XXXX, Balance {$1700.00} o Another Report reflect account number as XXXX, {$1700.00} Balance These are the same account, same amounts, different numbers, and should be removed immediately. 

The XXXX  credit report also reflects XXXX XXXX XXXX. Attached is : o Letter from XXXX  XXXX XXXX reflecting the adverse listing should be removed o I have also attached the email stating this also

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I receive 8 calls a day from the collections department. I have notified them I am unable to make a payment they continue to call. I ask to speak with a manager they disconnect and hang up on me.

I have sent something in writing twice requesting the phone calls to stop and to only send written communication. They say they have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2020, I purchased a product from XXXX on line for {$100.00}. It was an electronic exercise machine that was advertised by XXXX that included exercise bands. When I received the device, it did not have the exercise bands. I contacted XXXX and they said the device did not include the bands. The advertisement clearly stated the device did indeed include the exercise bands. I shared this with XXXX and my credit card company. As of today, I have not paid doe the device as I filed a dispute on XX/XX/2020 to which I have proof.

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 2020-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I wrote a check to Wells Fargo Auto and mailed it to pay off a vehicle loan. The check cleared my bank on XX/XX/2020. I noticed that on XX/XX/2020 the vehicle auto payment was memo posted to pay. I called the bank to have them reverse the charge and they reassured me that the debit would not go through. The next day the charge went through. It is Friday XX/XX/XXXX and I have yet to see reimbursement or my lien card. Do they plan on paying interest to me for holding my money hostage? I wonder how many people go through this same thing. Its seems like they could make a lot of money on everyone else 's interest when aggregated.

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I applied for a Citibank XXXX XXXX credit card several months ago. 

I never received the card, and after three calls asking for new plastic, and still not receiving the card I tried to cancel the card.

Today I got a statement via email several months after the cancellation call. They never cancelled the card - and it's still showing as active despite assurances the card was cancelled.

It seems I'm 4/4 out of attempts to try and work with CitiBank to get this card closed but the reps constantly manipulate me away from closing the card or flat out lie about actions taken on the card. I've had it with Citi and don't want to do business with them anymore.

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 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2020 I was in contact with attorney XXXX XXXX for 2 debts owed to XXXX   XXXX. I made an offer to settle the 2 accounts for less and they contacted XXXX XXXX and the offers where accepted and agreed to remove the accounts.

1st account had a balance of {$3100.00} and made offer to settle and remove for {$1500.00}. It was accepted and paid, was taken out of my  bank account on XX/XX/2020. 
2nd account was for {$800.00} and made offer to settle and remove for {$370.00}. It was accepted and paid out of bank account on XX/XX/2020. 
XXXX XXXX has provided me with letters saying both accounts have been settled and have a XXXX  balance on each. XXXX  XXXX has gone and instead of XXXX  out the balances and removing them they subtracted the money that I paid from the original balance and still say I owe them the rest they have repeatedly every month for XXXX and XXXX have the accounts still listed as being owed And showed no payments Have been made. 
I have also submitted the two letters from the attorneys office of XXXX XXXX showing I settled the 2 accounts held by XXXX   XXXX  and instead of fixing the problem XXXX XXXX wanted my banking account number and routing number to pay the remainder of the balance of that they claim I still owe them. 
XXXX XXXX also refuses to notify the original credit card companies that I settled the account which are still updated monthly showing charged off and no payment for each month. Which is still bringing down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
{$630.00} THE COMPANY CLAIMS I OWE THIS MONEY BUT I DO NOT HAVE AN ACCOUNT WITH THIS COMPANY CONSIDERING IVE NEVER LIVED IN THE AREA WHERE THIS COMPANY PROVIDES SERVICE. THEY HAVE FAILED TO RECOGNIZE AND RESPOND TO ANY OF MY MAILINGS TO THEM. I HAVE FILED A COMPLAINT WITH THE FEDERAL TRADE COMMISSION AS WELL AND NOTHING HAS TRANSPIRED WITH THIS ACCOUNT.

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
Received sealed Vanilla XXXX Visa Gift Card as gift. Recently opened sealed gift card for use and found that is was rejected, so I checked balance and saw that the card had already been activated a year before funds were loaded, XX/XX/XXXX, even though it was in sealed package. My gifter loaded {$250.00} onto card on XX/XX/XXXX, someone monitored that card and saw it was loaded and then used the entire balance the next day, XX/XX/XXXX. According to Vanilla XXXX, their gift cards can not be reloaded and newly funded cards can not be use until after 24 hrs. If their controls had been in place, this would have prevented the fraud from occurring. It seems odd that a sealed card that was activated a year before it was loaded would be quickly monitored and funds withdrawn the next day after it was loaded. I would not be surprised, if this was some highly organized scheme within Incomm, since I have found numerous issues reported by other consumers of funds withdrawn from these same gift cards after they were loaded and not action from Incomm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I DO NOT owe any debt. I have called Radius Global Solutions at least 2 DOZEN times. They have acknowledged it is a wrong number and still keep calling me. I I want it STOPPED. They call every day, 2 to 3 times per day. I'm NOT the person they are looking for. They are abusing my phone and my time.

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