vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
My loan payments made to Mr. Cooper formerly Nationstar have not been applied correctly therefore incurring overdue loan payments. My loan was placed in the pandemic relief program in XXXX of 2020. I have made all of my payments for the months since then but several have been past the grace period. All payments have been made and my account should be current but Mr. Cooper has applied several payments toward principal without my authorization, therefore making me past due on 2 payments. This was done without me authorizing and appears that Mr. Cooper is taking advantage of the pandemic relief in order to misapply my payments to force me in to default. I have called several times and spoke to XXXX and XXXX about this but they seem to want to only talk circles around the issue instead of addressing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: MA

Complaint narrative:
I am trying to get an issue resolved with XXXX XXXX and have disputed it through Experian and XXXX but am having difficulty. 

I had bought my car at lease end on XX/XX/2020 and paid off the up to date payoff balance and the dealership sent the disposition fee. On XX/XX/XXXX, XXXX XXXX received and paid an excise tax on the car but when they sent me the bill in XXXX, it was labeled as a disposition fee, which I knew was paid. I called XXXX and was told the disposition fee was never paid. I contacted the dealership and they sent out a copy of the canceled check. I was not notified by XXXX again, and in XXXX I noticed a XXXX point drop on my credit file due to a past due payment to XXXX XXXX. I called XXXX and was told that it was the disposition fee, ( not an excise fee ) that was late. I explained that the dealership paid it and would contact them again, I was told once proof of payment was made they would correct my credit file. I contacted the dealership, XXXX XXXX again and they sent the cancelled check again on XX/XX/XXXX, this time cc'ing me on it. On XX/XX/XXXX I checked and nothing was done by XXXX, so I called and this time was told it wasn't a disposition fee, but an excise tax and they would correct my credit file as it was late. I asked how can I be late on something I had no idea of and even the documentation provided by XXXX was incorrect. I paid the balance of XXXX rather than have it continue to be late though I have my doubts on the validity of the charge as I received another excise tax bill. I really want XXXX to let the credit bureau know that I wasn't late, I wasn't given correct or timely information and I had an exceptional credit score until this happened and delingencies follow for 7 years..

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I THOUGHT THAT I HAD FIXED THE PROBLEM WITH THIS CREDIT AGENCY ( EQUIFAX ) ON XX/XX/2020, BUT I FIND THAT THE PROBLEM IS STILL THERE ON XX/XX/2020. I PAID FOR THERE SERVICES XXXX AND I TRIED TO LOG IN TO MY ACCOUNT TODAY AND IT TELLS ME TO CONTACT THEM. SO I DID AND GAVE ALL MY INFORMATION AND AFTER ALL THAT TIME SHE INFORMS ME THAT THEY CAN NOT VERIFY THAT I AM WHO I AM. THIS IT REDIULUS AND IM NOT ONE BIT SATISFIED AND THIS HAS CAUSED ME TO SUFFER AND I AM OUTRAGED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
Mercedes Benz Financial Services is reporting an erroneous late on my credit file. I set up my account with auto pay as I do with all my accounts to avoid any late payments and when I checked my credit file I noticed a XX/XX/20 late. When I noticed this late I called and paid it immediately and even paid a couple month in advance to make sure this issue never happened again. XXXX did not notify me of this late until the late notation had already been reported to my credit file. As a customer who makes ALL of her payments on time this was very disappointing because I had no idea of this late until it ruined my credit. If I would have known there was some sort of issue with my auto draft I would have fixed it to avoid this late notation. I am asking that you please remove this late as a one time courtesy for your long time customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I opened an XXXX XXXX XXXX account with XXXX XXXX  on XX/XX/2020. This was done online. I used the XXXX App to transfer {$1000.00} from my US Bank checking account to this new XXXX account. The money was withdrawn on XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX stating that the transfer could not be completed. I was instructed to contact the financial institution that the funds originated from in order to receive my refund. I have since talked to branch managers and customer service from both XXXX and US Bank. They tell me that my money is being held by XXXX ( a third party company they use for bill pay and online transfers ) However, not one of those three companies is able to return my funds to me. I even filed a dispute with US Bank on XX/XX/XXXX which the denied about 2 weeks later. I am at a loss as to how to proceed from here.

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 2020-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I recently incorporated and started a XXXX, XXXX XXXX. I transferred {$2000.00} from my personal checking to the XXXX  acount. The money was debited, then it disappeared. It was never moved to the XXXX  account. I have spoken with bank of america, and they say the money is gone, and they don't know where it is. I was also told that if I don't put money into the business account, I will be fined. No one can tell me what happened. The person I spoke with said don't worry, {$2000.00} isn't that much.

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 2020-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
RE : Santander Bank XXXX XXXX XXXX XXXX N.Y. XXXX Checking Acct. Number ... ... XXXX My name is XXXX XXXX .... I have been banking with Santander Bank for about 20 years ; actually, I have this account number over 30 years with other banks that preceded Santander Bank.

About five ( 5 ) years ago there was an incident that the bank wanted to investigate a deposit of {$5000.00} Dollars ( amount is not exact ). The amount that held back showed up in my statements as unavailable. Each time I inquired about it I was told dont worry you have plenty of money ( looking at some past balances, on XXXX my balance was {$660000.00} ) we will let you know. 
Last week I questioned my bank for the overdraft fees, I also questioned {$30.00} monthly fee that i was never charged before, I was told that the bank wants me to close my account, although I never had any problems with, insufficient funds or bouncing checks, the bank refused to extend my account until I open a different account in another bank. 
The bank refuses to give me my full balance.

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 2020-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a child support agreement with the Texas AG in which I pay support. I have bi-weekly wage garnishments setup via the Texas AG office so I get them their payments ontime, every two weeks, for the last 10 years. Every so often they send incorrect information that I am late in my arranged payments. This is the problem : they made an agreement with me to collect every two weeks, but report ontime status on a monthly basis. This creates months where I am " ahead '' in payments and months I am " behind '' in payment. My complaint is based on the idea that I am fulfilling the arrangement they setup for payment. How can I be reported late for abiding by the payments terms they setup? I have sent multiple disputes to all 3 CRAs XXXX, TransUnion, and XXXX. XXXX  has blocked this incorrect reporting, but XXXX  and Transunion continue to not investigate or actually review the terms, paystubs, and Texas AG records of 100 % on-time payments that I send.

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 2020-11-04 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I am trying to get an issue resolved with GM Financial and have disputed it through XXXX  and GM but am having difficulty. 

I had bought my car at lease end on XX/XX/2020 and paid off the up to date payoff balance and the dealership sent the disposition fee. On XX/XX/XXXX, GM financial received and paid an excise tax on the car but when they sent me the bill in XXXX, it was labeled as a disposition fee, which I knew was paid. I called GM and was told the disposition fee was never paid. I contacted the dealership and they sent out a copy of the canceled check. I was not notified by GM again, and in XXXX I noticed a XXXX point drop on my credit file due to a past due payment to GM Financial. I called XXXX and was told that it was the disposition fee, ( not an excise fee ) that was late. I explained that the dealership paid it and would contact them again, I was told once proof of payment was made they would correct my credit file. I contacted the dealership, XXXX XXXX again and they sent the cancelled check again on XX/XX/XXXX, this time cc'ing me on it. On XX/XX/XXXX I checked and nothing was done by GM, so I called and this time was told it wasn't a disposition fee, but an excise tax and they would correct my credit file as it was late. I asked how can I be late on something I had no idea of and even the documentation provided by GM was incorrect. I paid the balance of XXXX rather than have it continue to be late though I have my doubts on the validity of the charge as I received another excise tax bill. I really want GM to let the credit bureau know that I wasn't late, I wasn't given correct or timely information and I had an exceptional credit score until this happened and delingencies follow for 7 years..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have been receiving unemployment benefits but unable to aces my money due to u.s. reliacard bank licking my account. They locked it the first time in early XXXX and asked me to fax documents with proof of address in which I sent 6 pages of verification by fax and they unlocked my account so I asked for a card to be expedited because I had never received the first one and they let me pay the {$15.00} fee only to expedite the card in 2 days to be locked again. I immediately called again when I was unable to activate and they said another lock due to address was put on so I faxed again all of the verification pages for the second time and now I have been waiting almost a month and have also scanned my if and sent via online to them also with my address on it. I really am hoping someone can help me just get my account unlocked so I can use my funds to pay my bills. Thank you so much!

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 2020-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CARD Corporation
State: PA

Complaint narrative:
Today I have contact y'all to get this free waved or credit back to my account, and they told me they couldn't because I agree to fees in the agreement, but I had money into my account XX/XX/2020 Monthly Maintenance Fee A fee charged by CARD.com On card ending in XXXX - {$9.00}, and I want credit or the fee waived off from my account for {$9.00} or {$8.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I previously initiated a complaint on XX/XX/20 against LVNV Funding, LLC because they acquired an account from XXXX XXXX XXXX in my name for $ XXXX.LVNV Funding, LLC responded on XX/XX/20 advising that the account was in process of being returned to the original creditor ( XXXX XXXX XXXX ) however, XXXX XXXX, XXXX is still erroneously reporting this {$460.00} debt on my credit reports in their name. I would like for this unwarranted debt to be removed from my reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis is reporting inaccurate information to insurance companies regarding my driving and credit history. My premiums have doubled and tripled and I am unable to obtain insurance from another insurance company due to them reporting to all of them. I can no longer pay my premiums and will lose my vehicle without insurance. I bought a truck in XX/XX/2020 and they are reporting accidents and claims in XXXX and XXXX and many others and I DID NOT EVEN OWN THE VEHICLE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a child support agreement with the Texas AG in which I pay support. I have bi-weekly wage garnishments setup via the Texas AG office so I get them their payments ontime, every two weeks, for the last 10 years. Every so often they send incorrect information that I am late in my arranged payments. This is the problem : they made an agreement with me to collect every two weeks, but report ontime status on a monthly basis. This creates months where I am " ahead '' in payments and months I am " behind '' in payment. My complaint is based on the idea that I am fulfilling the arrangement they setup for payment. How can I be reported late for abiding by the payments terms they setup? I have sent multiple disputes to all 3 CRAs XXXX, XXXX, and Equifax. XXXX  has blocked this incorrect reporting, but Equifax and XXXX  continue to not investigate or actually review the terms, paystubs, and Texas AG records of 100 % on-time payments that I send.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent Outsourcing sent a collection letter in which I replied seeking verification in the form of a signature. They have not sent the requested documentation and illegally added this account to my credit 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 explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX, Loan XXXXPayment Sent XXXX, {$1500.00}. Payment Deposited XXXX Loan was sold to Pennymac loan # XXXX. 
XXXX  XXXX XXXX states this payment was forwarded to the new servicer, Penny Mac via wire transfer XXXX. 
Penny Mac has not credited the payment to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am greatly concerned in regards to a matter I have been trying to resolve. 
My account Ally Financial Account # XXXX is reporting what I feel is inaccurate data. 
The date of first delinquency is not listed, The payment status showing a collection/charge off. Yet no payment history is listed prior to XX/XX/2020. I have reached out to Ally Financial to which I got a response dated XX/XX/2020 stating that they have received my request for more information yet I have gotten no other communication from Ally.

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 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
Entered into a forbearance with Arvest Central Mortgage. Was informed that so long as the payments were made before the end of the forbearance my credit would be fine. My account was good until XX/XX/XXXX. In XXXX I was called to discuss options and I informed the representative that we were selling our house and closing on XX/XX/XXXX. I said we would be taking the proceeds from the sale and paying off the loan. 
On XX/XX/XXXX, we closed and the loan was paid off. On XX/XX/XXXX I started receiving emails that my credit score went from excellent to poor. Upon checking, Arvest reported my account delinquent. Several calls and emails to Arvest confirmed that my account was improperly coded and that my account should have been reported as NOT being late or delinquent due to the forbearance. One agent said she could see in the computer that my account was not coded correctly. 
The last call I made, I was told there were over a hundred people in front of me and they would get to me when they got to me. I am trying to finance a car and my credit is ruined due to a glitch on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/XXXX - There was a fraudulent charge on my card for {$500.00} from XXXX XXXX in XXXX, Illinois. I got the alert and filed a dispute the same day - I LIVE IN MICHIGAN and do not have a lawn service. The charge was reversed ( temporarily XXXX. They issued a new card, etc. 

XX/XX/XXXX - They reversed the credit and charged the {$500.00} for the transaction back on XX/XX/XXXX AGAIN. They told me over the phone that the vendor provided proof that I purchased goods from them, but could not share that proof with me. Verifying the signature would have been enough to document that it was fraudulent. It was this month that I received a document stating the charge would be reversed, but then received another statement stating the claim was denied WITH NO EXPLANATION. 

XX/XX/XXXX - A gatekeeper of the fraud department opened a new fraud claim for me. 

At some point my claim that was opened XXXX was closed. I haven't received any correspondence since XXXX regarding the claim opened in XXXX. 

I have called back numerous times and nobody can tell me how to get my money back or show me proof that it was me that used my card ( it wasn't, obviously ). 

I even went as far as to contact XXXX  XXXX  XXXX  XXXX, Illinois and the elderly man that answered stated I wasn't the first person to call, that he doesn't take ANY type of card, he didn't even know how to. He is a cash and check only business and he does it on the side, he's retired. I passed this info on to BOA but they just said they would add the note to my file ... 

When I called back today they told me the claims agent didn't do anything with the additional info and closed my claim again XX/XX/XXXX. I STILL HAVE NO COORESPONDENCE. 

This sounds like someone skimmed my card, sold it on the black market and that person is using it OR someone has found a way to act as if they are " XXXX XXXX '' and they aren't. 

I just want my {$500.00} back plus interest. I made the minimum payment hoping they would get it resolved every month from XXXX - XXXX. I just paid the balance off because I have a feeling I'm never going to see that money again. 

I work for a small community bank and I have NEVER heard of a fraud claim handled this way. That charge should have been returned fraudulent. Period.

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