vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had a Heloc with Regions bank in Ga. I found out that they have been sitting on my over payments of interest only to apply them when they see fit. They show the overpayments on their statements as " PAST DUE '' yet it is actually the overpayments of principal that I have made trying to accelerate the payment of my loan. It is a simple interest loan. Any over payment is to go to principal. They are saying that since I make it from a non Regions Bank account that I have go to their bank physically to get them to properly apply any over payments made for principal or open another account with them? I have made numerous attempts to resolve and the onus is always on me not them. Each time that they are putting my overpayments in the " PAST DUE '' are of the account they earn extra money and have been doing it for years until I finally figured out how they were misapplying my payments. Our payments have always been on time. They have not applied the payments properly. All of their loan coupons have the this " PAST DUE '' line on their documents for payment. The forms you would need would just be their forms they use to collect payments. It is in the upper right corner reflecting the activity since the last payment etc.

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 2020-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
I, XXXX, an XXXX XXXX, have my wife ( XXXX XXXX ) send me money every month in amounts ranging from {$3500.00} to {$5000.00} USD to my personal HSBC checking account. The originating bank XXXX sent the money XX/XX/2020. The intermediary bank ( XXXX XXXX ) processed the incoming international wire transfer that was in the amount of {$4700.00} and after taking their {$23.00} fee, sent the remaining {$4700.00} on to HSBC on XX/XX/2020. HSBC is having liquidity problems due to the XXXX bank runs in response to COVID-19 and they are making excuses on why my money is not available and straight up lying, telling me they have no record of this incoming wire transfer. When in reality, they are holding it hostage in their OFAC dept as a scummy way to try to legitimize their holding it and not releasing it to me. I have completed a similar transaction with this bank last month without issue. However, this is a huge problem as I am about to have my XXXX XXXX XXXX tomorrow morning, then I am moving to another state, and I AM A XXXX XXXX SERVICE CONNECTED XXXX XXXX  XXXX  VETERAN!!!!! I am incurring late fees where I am renting from now and am currently unemployed. I need this money and HSBC should have their charter pulled and NEVER BE ALLOWED TO DO BUSINESS IN THE USA EVER AGAIN, especially after their XXXX scheme with XXXX drug lords. I just want my money out of that bank so I can close my account and be done with them. I have tried calling them multiple times and they always say they dont know whats going on and asking for reference numbers that the consumer would never have direct access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inaccurate information on credit report. 
XXXX XXXX  Open date XX/XX/2007 Balance {$19000.00} Inaccurate name on credit report. 
XXXX XXXX Inaccurate address on credit report. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Inaccurate phone number on credit report. 
( XXXX ) XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccurate information on credit report. 
XXXX XXXX  Open date XX/XX/2007 Balance {$19000.00} Inaccurate name on credit report. 
XXXX XXXX Inaccurate address on credit report. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Inaccurate phone number on credit report. 
( XXXX ) XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have asked Experian and XXXX to investigate the late pay and accounts that do not belong to me. According to Experian and XXXX, they said the creditors verified the accounts and accuracy. I sent them both a letter stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. Experian said they do not have to honor request and will not provide their method of verification. XXXX said they didn't know if they could do that. XXXX said they will provide a method of verification other than e-Oscar. 

I feel Experian and XXXX are not reporting accurate information about me. In addition, XXXX will not allow me to view my credit report online from their webpage or from annual report. com This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about, which is preventing me from getting these errors corrected and/or removed. 

They failed to honor my request even after saying it was verified.

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 2020-10-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: FL

Complaint narrative:
I have yet to receive my way2go Florida unemployment benefits card it has been over 2 weeks I have called repeatedly waiting on hold for hours only for them to say there servers are down and call back later and hang up before I can say anything or I wait on hold forever and they act like they cant hear me and hang up on me they have my card with {$1200.00} on it I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Having trouble with my credit score reporting right and I am trying to get it solved, however none of the 3 bureaus ( XXXX, equifax and XXXX ) are willing to help and keep telling me to call the other to get my issue solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
Levy & Associates ( XXXX, OHIO ) filed a law suit against me in XX/XX/XXXX. 

Their " bill of sale '' from XXXX of XXXX showed an amount they essentially " made up '' and submitted to XXXX Municipal CourXXXX ( XXXX, Ohio ) as evidence of what I somehow " owed them ''. 

A debt consolidation company I hired in XXXX of XXXX, XXXX XXXX XXXX, had negotiated an amount which was less than half of that which Levy & Associates are currently attempting to collect from me. This settlement letter was issued to me in XXXX of XXXX -- which is after their " supposed '' bill of sale. They submitted false evidence to the court and caused additional injury to me and my family. 

Furthermore, the date of this suit is pertinent because, clearly, they are merely attempting to unfairly profit by further injuring vulnerable consumers and heads of household already compromised by challenging economic conditions. Levy & Associates is actively engaging in unfair, deceptive, and in my opinion and that of millions of consumers abusive practices -- they don't see this as abusive, but causing economic injury to a parent who lost a child and is attempting to recover, is abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
When I checked my credit reports as I often do I saw that THE CBE GROUP placed a XXXX collection on all three of my reports which is false and untrue. 
When I contacted CBE demanding that they provide me with the documentation to validate the debt pursuant to The Fair Debt Collections practices act and the fair credit reporting act they refused to comply within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion has refused to conduct a investigation after I have sent letters explaining and pointing out the inaccurate information on my report I will upload all documentation, accounts that should be closed reporting open, collection account reporting a past due balance, Terms being updated on a charge off account and the list goes on Transunion has ignored my disputes by responding with stall tactics, this is destroying my credit

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 2020-10-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Having trouble with my credit score reporting right and I am trying to get it solved, however none of the 3 bureaus ( transunion, XXXX and XXXX ) are willing to help and keep telling me to call the other to get my issue solved.

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 2020-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have asked XXXX and TransUnion to investigate the late pay and accounts that do not belong to me. According to XXXX and TransUnion, they said the creditors verified the accounts and accuracy. I sent them both a letter stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. XXXX said they do not have to honor request and will not provide their method of verification. TransUnion said they didn't know if they could do that. XXXX said they will provide a method of verification other than e-Oscar. 

I feel XXXX and TransUnion are not reporting accurate information about me. In addition, TransUnion will not allow me to view my credit report online from their webpage or from XXXX XXXX XXXX  This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about, which is preventing me from getting these errors corrected and/or removed. 

They failed to honor my request even after saying it was verified.

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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNT LISTED IS A FRAUDULENT ACCOUNT AND IT DOES NOT BELONG TO ME ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND FILL OUT FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Accounts Group, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX garnished Consumer 's wages via CSE Agency.

Consumer disputed CSE 's alleged debt in XX/XX/XXXXby way of affidavit and fee schedule. CSE Agency have not answered at all, CSE attempted to collect this alleged debt again in XXXX, ( See Exhibit 2 ) I disputed their alleged debt under 15 USC 1692g, XXXX XXXX XXXX garnished my wages due to communication with CSE Agency indirectly without Consumer 's consent.

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 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$380.00} Fee {$2.00} Merchant : XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS. 

Date : XX/XX/2020 Amount : {$400.00} Fee {$2.00} Merchant : XXXX XXXX REASON : THE ATM DID NOT DISPENSE ANY FUNDS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I traded in my vehicle that was financed through Ally bank on XX/XX/XXXX. 
I received a letter from Ally dated XX/XX/XXXX that I would be receiving my Gap refund directly from Ally within 60 days of the official payoff date which was XX/XX/XXXX. 
I waited the 60 days and had not gotten the refund so I called Ally to find out where my check was. I was then advised that they had not received word that the Gap had been cancelled and I had to contact the dealer to do that. After months of trying to get help from the dealership, they finally sent the cancellation form to the Gap company. I still never received the refund. 
Finally I called Ally again to make sure that the cancellation was sent to the right Gap company and they gave me the phone number to the Gap company. I called them and they told me that the Gap was cancelled on XX/XX/XXXX with an effective date of XX/XX/XXXX ( date of trade in ). I asked if they are supposed to send some kind of proof of cancellation to Ally to let them know its been canceled and he said no, they should have that information and that Gap refunds come from Ally. 
I immediately called Ally back to let them know when it was cancelled and that they should send me the refund. I was told that the dealership would refund me. I told her the letter from Ally that I have in my hands says that Ally is who the refund will come from. I asked to speak with a manager and was put on hold and then disconnected. 

They are holding my money, refusing to refund and giving me the run around. It was been

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 2020-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COLLECTION SERVICES OF ATHENS, INC.
State: KS

Complaint narrative:
I have gotten repeated calls from a third party debt collection company based out of XXXX GA - I have contacted them twice to tell them to stop calling as I carry XXXX debt. They say they can't bring up my number so they must not be contacting me. My Caller ID says otherwise. Repeated calls. No messages. Caller ID shows XXXX. The latest hang up was XX/XX/XXXX at XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/2020, I lost my job. I contacted Fifth Third Bank, who my mortgage is through, in order to request Mortgage Assistance. I was informed to complete an application and email it to their email at XXXX. I did this, with supporting documentation showing my lack of work. I was put into forbearance in XX/XX/2020 due to COVID. This was for 6 months. I was not given options on other ways to resolve my conflict with my payments. Fifth Third is now stating that they never received my application, despite that their website states you have to apply for forbearance. They are also stating that I do not qualify for loan deferral to add what I am behind on in payments due to being delinquent prior to COVID. However, I requested mortgage assistance prior to COVID. Fifth Third is unwilling to help me through my financial hardship and is requesting I submit another application which takes 30 days minimum to process. That does not help me when my forbearance is coming to an end. The answers I am getting from one employee to the next keeps changing and I do not understand what I am being told and why I can not get a loan deferral. President Trump ordered that mortgage companies assist people through COVID and Fifth Third is doing the exact opposite. They are wanting me to pay money now that I can not pay due to my financial hardship. I went into the branch near my home on Friday, XX/XX/2020. The banker and I contacted Fifth Third via phone and spoke with an employee there who stated that no one had been denied for loan deferral up to this point and that I did not need to make XXXX 's payment and to begin making payments in XXXX. She stated that I would receive an agreement letter for my loan deferral and to make a payment, email, or call to confirm my agreement to the deferral. Why would a Fifth Third employee in the Hardship Department state that I was being processed for a Loan Deferral if the Loss Mitigation Department is stating I do not qualify? They had my account pulled up when we spoke on Friday XXXX. She was able to see the account details and even spoke with her supervisor to confirm the information she was providing to me. I am tired of being hung out to dry. I do not want to lose my home and have been trying to get through this financial hardship. My mortgage was sold to Fifth Third against my wishes and I have had problem after problem with them compared to my original mortgage provider. One employee will tell me they see notes in my account about my correspondence with their employees, then another employee will speak with me stating there are no notes in the system. Where are the notes going? Where is my application with confidential personal information of mine and my husband 's? Was their system hacked? Why is the information I am provided different from one employee to the next?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XX/XX/2020 I requested from Bank of America and was granted forbearance under the CARES act for my mortgage. It was explained to me that I had a 3 month forbearance, and that after that time I would have to make arrangements for repayment or to add it onto the back of the mortgage. I did not make payments during XXXX, XXXX, or XXXX. I sold the house and the mortgage was paid off on XX/XX/2020. I have discovered that Bank of America reported me 60 days late on my mortgage payment - the only late payment during the life of the mortgage! I attempted to call them and spoke to 3 or 4 individuals - I was " accidentally disconnected '' 3 times. I eventually was given a case # XXXX. My credit has been destroyed and my ability to get another mortgage is impaired due to this very recent bad 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