vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: KY

Complaint narrative:
I purchased a home with my husband in XX/XX/XXXX. Roundpoint Mortgage purchased my mortgage from the original lender in XX/XX/XXXX. I neither chose nor desired any business relationship with Roundpoint Mortgage Servicing. I have paid or attempted to pay each and every one of my payments on time, usually well in advance of the due date. Twice they have misallocated a payment by adding my monthly payment to the principal column of my account rather than distributing it per our agreement and adding the additional principal paid as directed on my payment coupon ( which was always completely and accurately filled out ). The XX/XX/XXXX payment was never recorded/charged from my checking account, even though the check/payment was sent at the end of XX/XX/XXXX. I called to discuss why it had not been applied, and I was told over the phone that it had. I actually made a payment online while on the phone with the agent to cover the payment. He advised me that he had infact found my XX/XX/XXXX payment and that it cleared on XX/XX/XXXX. He then cancelled my online payment so that I wouldn't double pay. I then received a notice that I owed 2 payments and called the company yet again. As it turned out ( it took an hour -- 62+minutes -- to figure out ) the payment received on XX/XX/XXXX was the XX/XX/XXXX payment and they still had not applied the XXXX payment that I mailed in XX/XX/XXXX. I paid both the XXXX and the XXXX payments on XX/XX/XXXX. When I received the XX/XX/XXXX statement for the XX/XX/XXXX due date, my " Principal YTD '' showed " - {$88.00}. '' After my 2nd phone call on XX/XX/XXXX which lasted 46 minutes, they finally figured out that when they misallocated my payment in XX/XX/XXXX, my principal portion was put in the negative so severely that even after paying approximately $ 350/month towards principal, it's still in the negative. They have yet to clear this up. Each month there is a new problem. They still can not guarantee that I'm not being charged interest ( accruing interest ) on debt that has already been paid. When I call, the employees do not know what to do with my issues. On more than one occasion they have blamed me for the problem, saying that I should have waited until the calendar month in which the payment was due prior to making the payment, even though I was simply paying the bill as it arrived *and* my due date is on the XXXX of the month, so I can not send it in on a different day of the same month and still be on time. The company should NEVER blame the consumer for a problem that the company caused. Additionally, the company misfunded my escrow account and they charged me an extra {$1500.00}! I truly believe that this money is messed up in the same way that my principal is messed up and I've been forced to pay this illegally. I just want my money to be applied to my debt in a fair and legal manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I HAVE CONTACTED BANK OF AMERICA SEVERAL TIMES ABOUT THESE FRAUD CHARGES ON MY ACCOUNT BACK WHEN I SAW THEM ON MY STATEMENTS AND THEY DID NOTHING FOR ME.. I HAVE BEEN RECENTLY CONTACTING BANK OF AMERICA FRAUD DEPT AND SPOKE TO SEVERAL REPS AND THEY ARE NOW TELLING ME I CANT REPORT FRAUD BECAUSE THEY ARE TOO OLD BUT I REPORTED THE CHARGES WHEN THEY FIRST WERE PUT ON MY CARD AND THEY DID NOTHING.. SO NOW I AM FILING AGAINST BANK OF AMERICA ... I WILL LIST THE CHARGES FOR YOU TO SEE.. 
XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX-XXXX THE CHARGES WERE PUT ON A OLD CARD ENDING IN XXXX MY NEW CARD # XXXX PLEASE HELP ME GET MY MONEY BACK. BANK OF AMERICA SHOULD BACK ME AS A CLIENT AND THEY DID NOT.. THIS IS SENIOR CITIZEN ABUSE .. I NEVER DID BUSINESS WITH ANY OF THESE COMPANIES AT ALL, I NEVER AUTHORIZED THESE TRANSACTIONS AT ALL.. PLEASE HELP ME

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 2018-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP
State: MI

Complaint narrative:
The problem involves pre-paid Visa and XXXX issued by U S Bank National Association. They adverstise on the packaging and the cards that you can check your balance and itemized charges on their website XXXX The site seldom if ever is available so you end up having to call to check the card balance. If you want itemized charges they read them to you. 
Takes forever There are thousands of references to this problem if you XXXX it up. 

Don't know if anyone can fix this. but it would be great.

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 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am attempting to connect an external bank account ( checking ) to my Capital One 360 account but it gives me the error message " Capital one is blocking you from enabling external applications ''. It also will not allow me to add the bank into my capital one 360 account through capital one. 

Also, I am attempting to transfer money from my Capital One 360 account into my XXXX account but I get an error message that says " To comply with government regulations, this transaction has been declined. '' I get an error message through XXXX, however, it is just showing that the money was blocked by Capital one and XXXX stated that they did not have any error message or errors on their end because the transfer request was blocked by the bank. I have contacted capital one multiple times with no resolution or no attempt to look into the matter. The instruction was to contact XXXX each time and that they didn't have an error message on their end, which I did to no avail. Because I did get the 'failed ' error from XXXX and now that I found that Capital one is blocking access to their account, I believe it is on the bank 's end that the transaction was blocked. Also, I am able to transfer money without problems from my XXXX account into my Capital One account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
National Credit Systems has been calling repeatedly : my office, my cell phone, my kids cell phone, my colleague. Also leaving voicemails and texting. 
They hung up on us when we refused to give the last 4 numbers of our social security number. 
They misrepresented themselves by saying they are a friend of mine. 
They keep texting, calling and leaving voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: NJ

Complaint narrative:
This complaint in with XXXX XXXX XXXX XXXX. I have had an account with XXXX since XX/XX/XXXX ( ACCT : XXXX and XXXX ) and ( Address ID XXXX ) that of which I have was enrolled at XXXX University doing an XXXX program. Upon receiving my loans from XXXX XXXX assured me that I would not go into default but into a forbearance program that would defer my loans until I graduate. 
Subsequently, I did not do well at XXXX and enrolled at XXXX University. I then received more loans from XXXX and also had them placed in forbearance and stated to me that my loans would be due 6 months after I graduate. My date to graduate from XXXX was in XX/XX/XXXX. However, I completed the program early and my degree was conferred in XX/XX/XXXX. 
I immediately started getting loan payments from XXXX of {$600.00}., {$450.00} and other amounts. 
I immediately called XXXX and informed them that my 6 months had not expired when I began receiving these notices in XX/XX/XXXX, XXXX informed me that my time expired and that the loans were due. I replied that no one informed me of any time period between my lapse in school which was two months two receive my schedule and transcripts to be received to start school at XXXX University. 
Therefore, my loans were placed as being 30 + days late. I have pleaded with them, because I have never been late on my loans with XXXX as proof is given. 
As a result, I got my lawyer to intervene on XX/XX/XXXX and on XX/XX/XXXX, as of yet XXXX has not returned any calls or written correspondence to myself or my lawyer. 
I am asking that these late payments from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are removed from my credit report because I was NEVER late to 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 2018-05-11 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: NY

Complaint narrative:
The most recent investigation from Experian and XXXX to remove inaccurate account is showing again the same issue of reporting information hurting my credit score with information from the same furnisher. 
I have the letter from Experian and XXXX that clearly show the inaccurate information and this account must be deleted from my credit reporr. 
The Experian own investigation show the same issue over and over. 
I will attach the document sent to me by Experian dated XX/XX/2018. And copy of data from the XXXX web page. previously I contacted Experian and XXXX with ceritfied mail and notarized letter but simply ignore my request and verify their own mistake. 
XXXX XXXX bank account appear as charge off with a monthly balance, inaccuate high balance, inaccurate open date, .. Same furnisher and not accurate information from Experian Vs 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 2018-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: WI

Complaint narrative:
Every day XXXX XXXX continues to contact me and I refuse to call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have been alerted by XXXX Credit Bureau that my XX/XX/XXXX payment to XXXX XXXX XXXX ( Number XXXX ) is showing 30 days late. I have thoroughly reviewed my accounts payment history and confirmed it with XXXX XXXX customer service representatives and it has never gone over 30 days late. I sent two letters to the company communicating that they are knowingly reporting incorrect information to the Credit Agencies.

Below is my payment history since XX/XX/XXXX. Please note that I was going through a personal financial matter at the time causing some of my payments to be returned by my bank, however, I made absolutely certain that all my payments are made on time and this is the only negative information on my credit report. 

1. XX/XX/XXXX payment of {$280.00} cleared my bank on XX/XX/XXXX. There was no delay.

2. XX/XX/XXXX payment of {$280.00} cleared my bank on XX/XX/XXXX. There was no delay.

3. XX/XX/XXXX payment of {$280.00} was returned unpaid by my bank on XX/XX/XXXX.

4. XX/XX/XXXX payment of {$280.00} was re-submitted and paid by my bank on XX/XX/XXXX.This is a 5 days delay from XX/XX/XXXX payment due date.

5. XX/XX/XXXX payment of {$280.00} was returned unpaid by my bank on XX/XX/XXXX.

6. XX/XX/XXXX payment of {$280.00} was made via phone and paid by my bank on XX/XX/XXXX. This is a 21 days delay from XX/XX/XXXX payment due date.

7. XX/XX/XXXX payment of {$280.00} was returned unpaid by my bank on XX/XX/XXXX.

8. XX/XX/XXXX payment of {$300.00} was made via phone and paid by my bank on XX/XX/XXXX. This is a 14 days delay from XX/XX/XXXX payment due date.

Thank you for your assistance in this matter.

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 2018-05-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today, I called Experian ( XX/XX/2018 ) at XXXX. This is the phone number on the credit report that I should call to dispute an inaccurate item. I need to dispute a mistake. 

The automated service answers the phone and asks for my social security number. I punch it in. Then I have 2 options : 1 ) fraud or 2 ) order a credit report. There is no option to dispute the items. 

So I researched the web and found other Experian phone numbers. I called XXXX and got the same system and responses. 

Finally, I decided to call the original number ( XXXX ). I did not enter my SSN. By not doing this, I was able to press 2 different numbers and dispute over the phone. But, as soon as I got through, I got a wait time of 13-15 minutes. This is too long. I have 3 bureaus to dispute and this is way too hard. Experian just wants me to use the web. However, my situation is complicated and the web form only allows limited number of words. I need to be able to talk with someone.

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 2018-05-11 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX tells XXXX XXXX service members that the annual fee will be waived when asked during the application process. When the SCRA benefites are brought up after the account is opened the consumer is told that that was a mistake and they will not honor what was said during the application process.

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 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Lowes has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The annual fee of {$95.00} for the card was billed on XX/XX/XXXX. Chase decided to close my account on XX/XX/XXXX. The year for which the card is being billed was never used and, furthermore, if I cancelled the card by XX/XX/XXXX, Chase would have voluntarily ( they admit ) refunded the annual fee. However, because Chase decided to close the card, they insist that the fee can not be refunded and that I owe them for a year 's fee for a card that I don't have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have told them repeatedly not to call my mothers home since she is not a party to the loan agreement. I have reported them in the past for repeatedly harassing my mother, only for them to say they have no record to the calls. They clearly do and these illegal tactics should be pursued in court. I have meticulously detailed each call and my attorney can provide a record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: VA

Complaint narrative:
I contacted Lexis Nexis via their online form and requested to opt out due to having my personal information stolen after a home invasion. I provided the information of the police department, detective and case information. I explained that I was in fear of my safety as I was a victim of this crime and feel my safety is at risk. 

I received an email back stating that the information provided did not meet their requirements to have my information concealed. I than see that they are reporting on my credit report the address of my home that was not previously listed as it was not reaffirmed and XXXX states the information is from Lexis Nexis credit reporting agency. 

The public records is causing me fear for my safety and physical health and the information they are reporting to the creditors is not accurate and causing me to have problems with my credit history. 

I appreciate the assistance with having the issues with Lexis Nexis resolved. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: WA

Complaint narrative:
Us Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XX/XX/2018 Peoples United Bank XXXX XXXX XXXX XXXX Connecticut XXXX Phone XXXX I been coming to this branch for about 1 year and getting my payroll check at teller window instead of Their ATM machine, to day i was told by a teller name XXXX, that i have to tell my employer to give me a card with my name on it. Because the old supervisor is no longer at that branch. i told her my employer have thousand of other employees that have the same kind of debit payroll card, and i do not think they will do that for me. she act very upset and was making a fuss about this issue. I told her your ATM machine do not ask if my name is on the card. The card Booklet state that i can use this card at any bank with proper ID to withdraw my pay. I call their XXXX customer service number talk to person name XXXX he would not give me his last name, he was no help at all sound like he was not aware of how the walk in to teller debit card transaction work. waste of time talking to him. he might not have submit my complaint, so that why i am contracting Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: TX

Complaint narrative:
( a ) Attempts to resolve this with XXXX XXXX are futile ... I was disconnected after requesting, then demanding a supervisor. 

( b ) Month after month, I have issues with XXXX having a friendly digital relationship with my XXXX  XXXX XXXX.. First, I can not efficiently use my online bill pay feature with XXXX due to a cooperative institution to institution relationship. Secondly, XXXX must then cut a check and send it as though this is some small mom & pop creditor. Then the payment of my transactions are greatly delayed. Creating the need for me to call every month and demand they clear a XXXX check so I can use my card. 

( c ) Made a purchase with XXXX on XX/XX/XXXX and discovered the hotel was grossly over rated and I should not have been charged this amount of XXXX.. This charge should be disputed as

Company response to consumer: Closed with explanation