vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I transferred XXXX from Goldman Sachs USA to my external linked account on Sunday and it was processed on Monday and completed on Tuesday and I received an email stating this at XXXX XXXX. I checked  the external account and it never arrived as instructed or promised in my account. I want to report bank misconduct under cfpb and fdic laws. I want the money that was not disbursed as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I recently had a zero % debt with HCS. They sold it to Ally bank. When I received the statement, no where on the statement does it show the balance due of {$3300.00}. It says that I owe {$4200.00} including the interest if I don't pay the account in full by the end of the promotion date. I have called them and they said it is online or I can call in. In small writing it says I am in a promotion. If I was to die, my spouse would only be aware of needing to send them a check for the full amount, not the amount that I really owe. I am computer savvy, but for other people, this could be a major issue in report what is really owed. I can send a copy of my statement if needed.

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 2020-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Agency of Credit Control
State: CA

Complaint narrative:
I sent the bank statement from XX/XX/2017 showing XXXX XXXX co pay of {

$15.00} was PAID. Please see page 5 of 10 on the bank statement 4th line from the bottom. This company left negative credit information that related to a debt that WAS PAID and cost me a car loan and mortgage. I intend to seek monetary damages for the incorrect information that has been listed on my credit report affecting me adversely during COVID

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairfax Lending Inc.
State: MD

Complaint narrative:
The XX/XX/20 " Loan Estimate '', " Closing Cost Details '' lists two items : Funding Fee {$250.00} and Underwriting Fee {$1000.00}. 

The XX/XX/20 " Closing Cost Details '' has a new entry : XXXX of Loan Amount ( Points ) {$980.00}. 
When asked about this charge, the broker ( XXXX XXXX ) replied on XX/XX/20, " The {$980.00} charge is being added due to the current market conditions. " I responded on XX/XX/20, " Adding XXXX unilaterally and without informing me, ie, leaving it up to me to spot it, is called bait & switch. Sleazy. " Broker responded XX/XX/20, " I am not being sleazy. The fee that got added from my investor was actually 0.50 % of the loan amount and computed to {$1600.00}. I only added {$980.00} and took a hit for {$640.00}. '' I responded on XX/XX/20, " If your investor added 50 bps as a condition of approving the loan than that information MUST be conveyed to me for my acceptance or rejection. 

If your investor added 50 bps because of the new law mandating that cost, theyve applied incorrectly to me since their loan commitment to me PREDATES the law change so the 50 bps does not apply. Someone is being sleazy, dont you think?? '' Broker responded XX/XX/20, " We should have updated payoff later today. Once we have it we will email the final CD for review. '' but I did not receive the updated payof. 

On XX/XX/20, I asked broker again to withdraw my loan application, per my first request to withdraw on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: OH

Complaint narrative:
DEPT OF EDUCATION/NELN Ive never done any business with this company. I never signed a contract with this company. No one has any permission from me saying that I agreed to do business with them either. Therefore, I want this item deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been trying to set up an on line account to use my XXXX rewards points and no matter what I use for a password I get the same error message. I have been a loyal card holder for many years and wish to get my rewards point cashed out and close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up with BofA many years ago when they offered a Free Checking program. In 2012, I had a incident online where I was presented a form fill page requesting my personal information. I did not want to provide this, so I called the BofA number on the back of my card and was told by one of their reps that it was fine to complete the form because they needed to update my information. A few weeks later, BofA called me because my account had been hacked and we needed to close and reopen a new account. So we did that in  XX/XX/2012. At that time, Bank of America agreed to permanently waive the monthly maintenance fee on my account even though the " free checking programs were no longer available ''. I have a copy of a letter from XXXX XXXX, Vice President / Customer Advocate ; Office of the CEO and President stating that the maintenance fee would be permanently waived. Bank of American has billed me maintenance fees over the past few years because I could not locate my letter and they had " no record on file that my account should be free. I have called them and they won't take a copy of the letter an will not honor it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
I received a text on XXXX XX/XX/2020 from XXXX that stated ETA :  XX/XX/2020 between XXXX - XXXX. Documents at XXXX XXXX XXXX in XXXX XXXX. Signature Req 'd by XXXX XXXX. To reschedule and to make in voice XXXX current ; please contact account services at XXXX reply XXXX to stop. Neither me nor my partner live at this address, and further, fraudulent text messages stating documents will be received is false, misleading, and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
have been trying to resolve an issue with insurance claim funds, due to me, with this company for 7 months via phone calls and written correspondence since XX/XX/XXXX, without even the courtesy of a reply. Please see details in the letter below. 

XX/XX/XXXX Attn : Managers in both Bankruptcy and Loss Drafts Dept.

Re : Loan ending XXXX Claim : XXXX and XXXX The Money Source XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX To Whom It May Concern : I am hoping someone there can help me as I have already spent over 5 hours on the phone with both the bankruptcy and loss drafts dept, several times, and neither says they can help me. Then every time they try to conference in the other department to try to work this out together, they hang up on me and dont call back, so I am beyond frustrated and feeling taken advantage of as we are going on 3 months  without any resolution or headway being made. 

Between XX/XX/XXXX and XX/XX/XXXX I missed 3 mortgage payments as I just assumed my unused funds from the two claims above would be used to cover those costs as they were with prior claims after the work  was completed. However, in XXXX I was notified that you had not approved that this time and I was going to have to go to court on XX/XX/XXXX if my loan was not brought current through XXXX. So, on XX/XX/XXXX, I borrowed those funds from my retirement account to avoid going to court. I paid the full {$7000.00}, listed on your motion, out of my pocket to be current through XX/XX/XXXX and then have made all subsequent payments on time. 
But then in May, bankruptcy finally approved using the insurance funds to get my account current. The problem is though, that my account was already current so, the insurance funds should have been sent back to  me. There should have been {$2200.00} remaining on claim XXXX and {$5000.00} remaining from claim XXXX for a total of {$7200.00} coming back to me. This has not happened, nor have I received 3.4 months of credit towards future payments ( XXXX owed to me / XXXX per month mortgage ). I either need to be refunded those insurance funds ( my preference ) or, at least be able to recoup the extra money I laid out, by getting the full credit for XXXX, XXXX XXXX and part of XXXX XXXX mortgage payments as everything else is current through XX/XX/XXXX. My request would be to get the refund back via check to be able to put back into my retirement account. 
Since we are now on the third month of trying resolve this issue, I am hoping you can provide me an answer in writing ( Mail or Email ) no later than XX/XX/XXXX. Thank you in advance for your attention and cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I filed a dispute on XXXX XXXX for 2 purchases. One purchase was XX/XX/20 for XXXX, and the second charge was on XX/XX/20 for XXXX The card was declining at the stor register on XX/XX/20 so we used an alternative source of payment for the purchases but the card was still charged.

The second dispute transaction on XX/XX/20 was an unauthorized debit feoma collection agency that did not have my permission to use that card but the charge was deboted anyway. I have reached out to my credit card company multiple times since the
original dispute date XX/XX/20 for the purchases to be credited back to

my account and they refuse to do so. I sent them documents needed via fax, mail, email and 4 agents have so emailed that department and they still have not honored my request. They sent me a statement today that still had those charges included on the balance. I spoke to a representative today XX/XX/20 that stated they need receipts for purchases.. but I did not purchase these items at all.

I am being treated poorly and unfairly and have have sent in correspondence through 6 agents, both of my email accounts, fax and email. I have done my part but they refuse to help me. I want to file a report of abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I had my credit pulled trying to buy a new car and they stated they could not loan to me as I had not made a payment to my current lender Wels Fargo since XXXX of XXXX. I have been making regular monthly payments and when I called to ask why they are not reporting the payments they could not give me an answer just a bunch or runaround and no one is actually trying to help to get the issue resolved. This has caused my credit score to go from a XXXX to a XXXX. Wells Fargo also tried to tell me I had a past due balance of {$20.00} after I had asked numerous times when making my payments, does this bring me completely current and they would say yes, only to be told I had a balance of {$20.00} due from last XXXX of XXXX. They are committing consumer fraud with what they are doing. They are showing me as a delinquent payer and I am making my regular monthly payments. They continually place me on hold or tell me they will have someone call back in regards to this issue and no one ever calls. They just make me call and waste 2 hours of my time every day trying to get a resolution.

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 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
Our homeowner 's insurance through XXXX 's XXXX is to paid through our mortgage escrow account and was due on XX/XX/20. We got a pre cancellation notice from our insurance company because LoanCare had still not paid the premium. After numerous phone calls,  we finally got the premium paid on XX/XX/20. We were told a bulk check had been sent and there were errors on it that kept getting it kicked back. When we called the last time, the representative sent a separate check just for us. She then told us that she would have to refund the first payment that went out where the error happened. It is now XX/XX/20, and we still do not have the amount of {$1300.00} returned to our escrow. We have called the company over 20 times and spend many hours on the phone. We keep getting the run around and different answers every time we call.

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 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FULTON FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hello, I have zeroed out my balance with Fulton bank account number XXXX and have tried to close the account for 3 months. I have faxed in 3 separate signed letters all requesting that the account be closed. The account is still not closed. I have tried calling but no one ever answers the phone even after being on hold for over an hour. My account was never properly set up for online access so I can not close it that way.

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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I received a letter dated XX/XX/2020 from Bank of America concerning Account No.  XXXX. According to this letter if I paid {$1600.00} by XX/XX/2020 ( LAST DAY FOR PAYMENT ) " you may continue with the contract as though you were not late ''. I made the payment online of {$1600.00} as instructed XX/XX/2020. Additionally, on the same day I made another payment of {$750.00} to Account No.XXXX since I have two car loans at Bank of America for which I sought COVID relief. NOTE THAT XXXX ARBITRARILY REDUCED MY CREDIT SCORE BY 116 POINTS XX/XX/2020 CHANGING MY CREDIT RATING FROM A GOOD XXXX TO A FAIR XXXX FIVE DAYS BEFORE WHAT I WAS GIVEN TO UNDERSTAND ANY ADVERSE ACTION WOULD BE TAKEN ON THE PART OF BANK OF AMERICA. As a result of this Complaint I want my FICO score corrected, immediately, and a Note to my Financial records that acknowledges as well as corrects the error. From Bank of America I want a corrected LOAN PAYMENT HISTORY ( from inception to YTD ) for both loans ( XXXX and XXXX ). Your immediate attention, from both institutions will be appreciated.

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 2020-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Very complicated and in depth situation tat will take multiple agencies to get involved, i don't have enough time or any help left in my situation to see the ending through. 
However, i am trying to get my pensions r a few other things worked out for my daughters before i pass on. This is the only reason i am perusing these issues at all at this time. I'm very weak, and have a have a harder time getting anything done these days. 
My x-husband was named my beneficiary representative by the VA. However he's not doing his job in helping me ou with my financial and medical needs. Instead he's withholding pain medication so I can't get around, not allowing me to access me to use my VA benefits-so he can use them for himself. And diverting my social security monies and other monies such as house into his account. He kicked me out of my house three years ago, and won't let me back. He's collected the XXXX and medical for my daughters with my first x-husband without me knowing since 2007, while i supported the family and had to work overtime. He also started to divert funds at that time. Im scared of him. He has most of my paperwork and my XXXX. Id like to get a blood relative to take over my VA beneficiary and Social Security Beneficiary since we were only married for two years, and his sister change the taxes to say i supported him, when i ws seeing someone else and he had his own bank account. the minute it became ten years he kicked me out of my house and started gaining possession of all my belongings. I'm not even dead yet. Give me a year. 
Anyhow, i have know idea how to look into this, since i need help doing things as it is and he's suppose to be providing that support. 
thanks 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 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BAY VALLEY MORTGAGE GROUP
State: CA

Complaint narrative:
I applied on XX/XX/XXXX for a refinance transaction with BAY-VALLEY MORTGAGE GROUP XXXX XXXX XXXX, XXXX XXXX, CA XXXX and it is now XX/XX/XXXX i have not received loan approval or any updates on file. i contacted XXXX the account executive XXXX and they are now stating i need to pay for rate extensions and a .5 % fee that fannie mae is now implementing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
DISCOVERIT CREDIT CARD, I had complained to this company about the XXXX XXXX charged, I never authorize {$99.00} with phone number PH : XXXX response were : " box full '', no matter how many times I called. This is the second month this same charge showed up again and billing me again. This exact same charge was removed last month, but today I received the same company charging the exact same charge again, so I went online as their phone response directed me to go at : Discover.com. I noticed that on my online account it shows the exact same amount but on the next space it shows and it states : '' NO transaction to view ''. I then started to fill up their survey with a very bad review and then their software is messing up my notes I was typing in. Their online CHAT name XXXX started to read and started view the notes I had written, then few minutes later while I was waiting for him, the online chat disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
Received a pre-paid USBank ReliaCard. Upon research, it indicated it was state unemployment benefits. I did not apply for this. I went to the usbankreliacard.com website and filled out the form, inquiring why I received it and how to turn it back in. The site indicates we would hear back in 30 days. We have yet to receive any information, so we do not know why I received the card. There are several concerns : why was it sent, did someone apply for it without my knowledge, how do I turn the card and hence the money back in and why have I not heard back about my concerns?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I reported a fraudulent charge and asked for the credit card to be closed, but instead customer service closed my entire account. Now my credit age resetted and credit score dropped 100+ points.

Company response to consumer: Closed with explanation