vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay XXXXs bank XXXX XXXX XXXX XXXX XXXX. 
While traveling, my credit card was compromised. I called Barclay 's bank and requested that the card be cancelled and a new card sent. I never received the card so on XX/XX/XXXX, I paid the final bill and closed the account. I later received a statement charging late fees and interest. I disputed the charge and was told that it would be waived. I received a statement the following month still showing the fees so I called Barclay 's. They had trouble finding the account but eventually did and told me that the fees would be waived. I began to receive daily " Robocalls '' about the late balance, each time that I called Barclay 's, I was told that there was a 0 balance, and that the system needed to update. On XX/XX/XXXX, I received notice that the late payments were submitted to the credit bureau, damaging my credit rating. I called Barclay 's again, after 69 minutes on the phone, I was able to get a manager who claims to have resolved this issue. In all, I have made 6 phone calls, each lasting about 45 minutes because the agents are unable to locate my account. To avoid further compromise to my credit score, I paid the balance which I will now have to try to recoup. I believe that this is planned obsolescence on the part of Barclay 's Bank to charge fees which are not due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I went into XXXX XXXX  to apply for an home equity line. The bank rep pulled our credit basically asked us why our credit scores were so low. To my surprise he said I had a XXXX. I had just checked my credit before going to the bank and knew I had a score in the high 600, s. The bank Rep. then questioned us about two late payments on a car loan we had paid off back in XXXX. He said he had to put a reason for the late payments on the loan application. This raised a red flag for me since the late payments were from XXXX, we paid the loan off in full and the account wasn't showing up on my credit report anymore because the account was paid off almost ten years ago. I shared my concerns about the inaccuracies in my credit report and score with the bank and they told me to call Equifax. I reached out to Equifax the following week once I received the Credit Score Disclosure in the mail for the bank. The key factors listed for the low score was number of accounts with delinquency and time since delinquency is too recent or unknown. I called Equifax on XX/XX/XXXX to find out why this was showing on my credit report. The representative at Equifax reviewed my report and assured me that I did not have any delinquencies showing on my credit report. The rep could not explain why my score was XXXX nor why the delinquencies were showing on my credit report. He suggested I find a different lender for my HELOC. On XX/XX/XXXX I paid XXXX to pull all three credit reports and my scores came back as a XXXX with Equifax, XXXX with XXXX and XXXX with XXXX. I then called Equifax back and asked to speak with a supervisor. I explained my concerns about the inaccurate reporting on my credit. She checked my credit file again assured me that I did not have any delinquencies on my credit file. I kept pushing the issue of why there was such a big difference in the score the bank pulled and the score I paid for. I explained that I would end up paying a higher interest rate for my loan based a score of XXXX, instead of XXXX and that I was going to report this issue. She then said that they recently had some IT/coding issues at Equifax that caused inaccurate score reporting. She assured me the issue had been resolved and told me to have the lender pull my score again. I did as she suggested and the score still came back as a XXXX. My score was also negatively affected by the second hard inquiry when the supervisor at Equifax promised it would not be affected negatively because it was the same lender pulling the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Car Credit Solutions, Inc.
State: MO

Complaint narrative:
We have a car with Car Credit of XXXX it is a XXXX XXXX the total price was just over {$21000.00} or something like that base off our credit report. we are at the end of our loan and 2 months ago we had {$1100.00} left to pay. our payments come out every two weeks in the amount of {$290.00}. after two months we still have over {$800.00} left. thats 4 payments totaling {$1100.00}. We asked for a break down of payments vs total amount and they will NOT give us that information. My husband was the first to ask and he is authorised on the account and everything but nothing. I put him on the account for a reason and they wont even honor that let along asking for a detailed break down. We feel like they are stealing from us and if we stop payments they will shut our ONLY way to work. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: NV

Complaint narrative:
Noticed a hard inquiry for a company I never applied to XXXX XX/XX/202XXXX 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 2022-09-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Point Digital Finance, Inc.
State: OR

Complaint narrative:
In 2019 as I was looking for a way to tap my home equity for needed house improvements I did not qualify for typical home equity products as my debt to income ratio was too high to qualify due to having student loans, despite an excellent credit score and stable income and a salary. I found Point Digital Finance on a social media site and inquired about tapping my home equity. I was told that I could have an option and get a loan as long as I shared a " capped " amount of equity for the duration of the loan that was gained on my property. This seemed like a reasonable deal on the face of it and I agreed and borrowed XXXX of my equity understanding that I would share 22.7 % of the appreciation the house gained when the loan was to be paid back. We went through closing and I signed papers and I was given the XXXX. Now, I want to pay back the XXXX and expected to pay the 22.7 % shared appreciation for the term of the loan. Upon requesting a payoff price from Point Digital Finance I was told that the " cap '' was not a " cap '' but compound interest and that they " risk-adjusted '' my property for 18 % giving my property an 18 % decrease in value at the time the loan was taken out. Furthermore, they valued my property according to their own appraisal which is XXXX more than what XXXX or other online property valuation tools say. So adding the undervalued ( 18 % risk-adjusted amount to the overvalued appraisal amount it seems that my loan of XXXX, XXXX is now at the very least up to XXXX approximately resulting in way over 100 % interest charged on the original loan amount. The language of a " cap '' on the amount for me to be paid was false advertising as there seems to be no cap. Furthermore, there is a lien on the title which I was told there would not be as it is a share of equity and I still own my home. This company is absolutely predatory and taking advantage of legal loopholes in their fine print to dupe innocent homeowners into a loan shark scenario. This should be illegal and Point Digital Finance is guilty of false advertising, predatory lending, and violating consumer protection laws.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On the XXXX and XXXX of XX/XX/2022, someone ( apparently a Chase employee ) initiated a totally unauthorize and illegal movement of {$52000.00} from the Line of Credit account ( XXXX ) to the XXXX XXXX XXXX checking account ( XXXX ). During the same time frame, the Chase Bank used a balance which had been accumulated in the checking account ( the XXXX number had been changed to ( XXXX ) to pay and amount ( about {$100000.00} which Chase Bank had previously determined was fraudulent. This amount, turned out to be more than the prevous payable recorded. These Chase Bank unauthorized and illegal reducations from the Caregivers, Inc.accounts had devastating results, essentially putting the company out of business, and putting employees out of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TX

Complaint narrative:
I was in a Debt Consolidation program with XXXX XXXX, which they used Global holdings to debit all monthly payments. 

I completed the program and was due a refund in the amount of {$810.00}, check was issued through Global Holdings on XX/XX/2022. 

Wednesday XX/XX/2022 I received notification that mail was coming through the Informed Delivery through the United States Post Office, which tells you all the mail that is coming to you. 

I have waited for the check and nothing came. So on today on XX/XX/2022, I called Global Holdings and inquired about the check. I informed the XXXX at XXXX XXXX, that I received notification on Wednesday XX/XX/2022 that a check was coming. I explained the Post office sends notification on mail coming and that they scanned in the mail. I explained what is alarming to me, is that on the envelope it says " Payment Enclosed '', and that is letting people know it is a check inside. The lady said they do not put " Payment Enclosed ' on the envelope and I said yes you do. She said maybe the post office did not. I said this is coming from your office. 

I stated this is not safe to do, if you are issuing refunds and this is letting other know it is a check enclosed. I asked for a stop payment and she said she will place a stop payment and have them to deposit the funds to my account. I said this should have been done in the first place instead of a check. Then proceeded to tell me, I will be charged a stop payment fee of {$17.00}. I said the company placed on the envelope " Payment Enclosed '', which tells people it is a check inside. I am not sure what happened after the post office scanned it in, but Global Holdings never should place " Payment Enclosed '', when issuing a refund. That should be discreet as people are not honest in returning mail to the rightful owners. I should not be charged a stop payment fee if {$17.00} for mail they should have been discreet about. So, yes I am upset.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Started on XXXX XXXX, XXXX. tried to use activated card an purchase denied. Called Bank of America and they said there was no problem, go ahead and use card. Tried again and still did not work. Called again and said everything ok. tried again after very long wait and still nothing. Had to use other means to pay... very embarrassing. 
This happened several times over the following weeks. I have made many calls and wasted many long minutes ( hours? ) dealing with problems not of my origin. 
On XXXX, XXXX, I tried to make my first payment and found it virtually impossible on the App without starting a Banking account. Everything led to starting a bank account. Tried to make payment using my Debit card, but they refused. 
Finally had to call and give my Bank account and routing number to make the payment. 
Accidentally gave wrong account number but was not informed until the XXXX, after payment was late. 
Bank of America then put a hold on my account and lowered my limit BELOW what had been purchased, then wanted a larger payment. ( XXXX XXXX ). Called and spent another 40 minutes giving correct info and making payment. Card has been on hold since, and limit lowered. 
Called again on XXXX and arranged for hold lifted and limit restored. They approved and additional XXXX dollars as well added to limit. I was told to wait two days to take effect. 
Monday, XXXX, XXXX, still unable to use card. Called again and was told that I would be receiving a letter denying the request, even though it had supposedly been approved the previous Friday. 
I have been put into too many difficult and embarrassing situations because of this bank card, and will never recommend this Bank OR card to anyone.

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 2022-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Last XXXX I called PNC Bank customer service for my account number to receive my stimulus payment. The customer service agent gave the wrong account number. I contact the IRS, XXXX XXXX XXXX XXXX XXXX, and PNC bank to no avail. Its going on 2 years since they gave me the wrong account information, I want my stimulus payment deposited to my new account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: IN

Complaint narrative:
My family hindered me from the world keeping alot of information from me and using my identity without my knowledge. I didnt have any knowledge about my credit report until recently I am devastated. Im really hoping you can help you delete and help repair all my credit so I can have a fresh start at soemthing that was originally mine.

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 2022-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Castle Mortgage Corporation dba Excelerate Capital
State: CA

Complaint narrative:
Bought a house and financed through Excelerate Capital. Right after the loan closed escrow and before the first payment was due on XX/XX/2022 Excelerate Capital sold the loan to XXXX XXXX. I had my payments set on auto pay from my business checking account with XXXX XXXX. XX/XX/XXXX comes Excelerate Capital debits my account for the payment in the amount of {$14000.00}. A week later XXXX XXXX calls and says I didn't make a payment and that they had bought the loan! I stated I had made a payment and my loan was on auto pay. They replied OH your on auto pay ok we'll take care of it. Then on XX/XX/XXXX XXXX XXXX debits my account for the same XXXX payment of {$14000.00}. I've contacted both finance companies and now they are both playing the game that I should contact the other finance company. Neither take responsibility. I want my money back plus XXXX XXXX interest like they charge me on the loan. Now they don't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
My mortgage was being held by XXXX XXXX XXXX. They sold it to Roundpoint Mortgage Servicing Corporation on XX/XX/2022. I did not ever receive by mail, phone or email any notification of this change. I also did not ever receive a statement to pay my mortgage to Roundpoint. I had direct pay set up with XXXX XXXX XXXX  and assumed my mortgage continued to be paid unaware of the sale. 

I had changed my mailing address from the property address to a po box and had mail forwarding in place and had changed my mailing address with XXXX XXXX XXXX. 

Since I did not receive notification of this change in banks I unknowingly did not pay my mortgage for XXXX, XXXX, XXXX, or XXXX of 2022. I accrued {$260.00} in late fees and Roundpoint confirmed they reported me to the Credit Bureau for delinquency of payment. 

Roundpoint sold my mortgage to XXXX XXXX XXXX  on XX/XX/2022. XXXX XXXX  XXXX sent me a mortgage statement on XX/XX/2022 stating I owed them {$8500.00} to bring my account current ( pay for XXXX XXXX  ). This included my monthly mortgage fee + XXXX late fees from Roundpoint. 

I paid XXXX XXXX  XXXX XXXX the full amount due of {$8500.00} on XX/XX/2022 to bring my account current. 

I first called XXXX XXXX XXXX XXXX to understand how I was so delinquent, they shared they had just taken over my account on XX/XX/2022 and were just billing me what was due on my account. They shared Roundpoint Mortgage held my mortgage from XXXX 2022 and that is where the late fees came from. Until XX/XX/2022 I had no knowledge that Roundpoint Mortgage held my mortgage from XXXX. 

I called XXXX XXXX XXXX to verify they sold my loan to Roundpoint on XX/XX/2022. They confirmed they did and were able to give me the loan #. I called Roundpoint to get more information and see why I never received a notice or bill from them. They had my correct email, cell number and all mail being sent to my primary address was being forwarded to my po box at that time. They said they sent me the documents and tried to call me numerous times but I have no records of either of these. Due to their negligence I am now 4 months delinquent in paying my mortgage, have a {$260.00} late fee and a complaint against my credit to the Credit Bureau. 

XXXX XXXX XXXX XXXX  ( current mortgage holder ) had no issue contacting me within a week of obtaining my loan using the same contact information Roundpoint has. I have paid them promptly. I had no intention to not pay my mortgage or issue with paying my monthly mortgage.

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 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In the first week of XXXX of this year, I was contacted by Bank of America regarding a check that was cashed that I had written. They said it was suspicious and asked if I had written a check to XXXX XXXX for {$1700.00}. I said I knew of no one by that name, but that was the amount that my small business pays in rent each month. I had mailed the check myself, placing it in a business envelope into a USPS mail box addressed to my landlord. I have done this every month for over 2.5 years. 

The BoA employee acknowledged that I was disputing the check and that they would handle it. I considered things settled and figured I would hear from them eventually. They advised that I should also report this to my bank. I asked if there was anything else I needed to do in order to resolve the issue and they said that other than informing my bank of the problem, no. 

A few days later I went to my bank, XXXX to let them know about this and that I wanted to dispute the check as well. They let me know it would be investigated in a timely fashion but that they could take up to 120 days to get back to me. It's been over 120 days and until I started making phone calls and demanding action, no one had contacted me. 

Bank of America has done nothing in this time, while I have been defrauded of {$1700.00}. I was assured this would be handled over the phone, which was clearly a lie. Nothing has been done. 

XXXX has opened a case, contacted Bank of America and escalated the issue once three weeks ago after I had complained to them multiple times about how long this was taking. I do not feel they have done very much to protect me or the finances of my small business. 

Cashing an altered check is a loss born by the depositing bank, in this case Bank of America. ( https : XXXX ) I feel like I am being treated as though I have no rights in this case. My money was stolen and I am being punished. This has been punishing to the health of my small business. It has stunted our growth and caused a lot of stress. 

A reasonable response to this would have been to issue a provisional credit to my bank so that my bank could do such to me in return. 

A complete lack of timetable for such things and willfully ignoring attempts at contact is a disgrace and does little to instill confidence in the consumer. 

By contacting me directly, Bank of America admitted that the check was suspicious. Upon viewing the check, it was obvious to me that someone had used white out to remove what I had written in the " Pay to the Order of '' line. Additionally, the handwriting does not match my own. There is no investigation to be done here, it is as clear as day what has happened. 

I have attached the scan of the check in question.

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