vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
We bought a home in XXXX, XXXX with a loan from XXXX XXXX XXXX. In XXXX, XXXX XXXX XXXX  sent a letter advising us of our mortgage being transferred to Lakeview Mortgage and that we would need to make our first payment to Lakeview Mortgage in XXXX, XXXX. 

See attached letter. 

We made our payment accordingly for XXXX, XXXX. 

Then we made our XXXX, XXXX payment on time as well. 

Well Lakeview mortgage has been calling us that we are delinquent, so in late XXXX, XXXX we called to resolve issue. But they told us we had to make the XXXX, XXXX payment. 

We were told our XXXX XXXX, XXXX payment went to XXXX, XXXX and our XXXX, XXXX payment went to XXXX, XXXX. We told them that was incorrect and they said they would investigate and get back to us to call in XXXX, XXXX. 

So comes XXXX, XXXX and we are still getting calls that we are delinquent. So we called again several times in XXXX and no one can resolve our issue. Then they say they are working on it. Yet we receive e-mails saying issue has been resolved. 

Come XXXX, XXXX and the same calling over and over being put on hold and speaking to different employees and supervisors. They request documentation from our bank showing money was withdrawn by Lakeview Mortgage. We have been asked to supply them with documentation and we have always complied. 

Comes XXXX, XXXX we called today XXXX and I was put on hold again and we they came back was told once again that it was referred to a supervisor and that they are still investigating. 

Its been 4 months and they havent been able to resolve issue and we keep getting the run around. Please help we are so stressed out, what was suppost to be a beautiful journey with our new home has turned in the most stressful one.

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 2021-05-11 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: NY

Complaint narrative:
I received an email that my Capital One Travel Rewards trip, booked XX/XX/XXXX, had been changed on XX/XX/XXXX. I was advised to contact their travel arm or XXXX XXXX XXXX XXXX said they could offer me no information about the rescheduled flight and that my trip had been canceled. They advised me to contact Capital One Travel. I have called at least ten times and have either been disconnected or placed on hold for over half an hour with no one answering. I booked my XXXX flight early in order to get a good price. It is a one way trip from XXXX to XXXX, XXXX, through XXXX. I paid XXXX or {$720.00}. I have hotel bookings and do not know if I should cancel them or book another flight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
BBVA has assumed responsibility for accounts previously held by Simple ( Compass Bank XXXX. The accounts were supposed to be automatically transitioned and accessible through BBVA 's system on XX/XX/XXXX. A majority of customers attempting to access their accounts after the transition experienced technical difficulties when attempting to activate their new accounts per BBVA 's instruction. Since the issues started nearly three days ago, many people are still without access and BBVA has done very little to provide support or information. I have called the bank over thirty times in the past two days, spending over three total hours on hold. I have yet to reach a CSR. Many of my hold calls were abruptly ended when BBVA hung up the line. I have not received one official communication via phone or email from BBVA during this completely failed transition period. They are attempting to minimize the impact this is having but I have a great deal of funds currently in limbo because they are in a protected savings account not accessible via the ATM or paper checks. BBVA needs to address this issue immediately ; they have yet to show any interest in simply communicating with customers about the situation let alone taking action to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/2019 my wallet was stolen with my bank card and all my information in it pin codes and all. There was some fraudulent activity done on my account and when I found out about it my account was already closed. I asked them to do a fraud report but they told me they did but did not. Now they are reporting me as doing fraud to early warning service and I cant get any type of account business or personal. They didnt even try to do a real investigation. I was told there were some cashier checks that were deposited into my account and I had no knowledge of anything of that nature.

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 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have disputed this account on several different occasions in XX/XX/2021 and XX/XX/2021 with Midland Funding LLC. They did not contact me before placing the account on my credit report. They failed to respond to my dispute, and after carefully examining collection practices in the State of Texas, I found Midland Funding LLC does not have a bond or license to engage in debt collections in my state ( Texas ). 

After sending a certified letter with receipt return, Midland did not respond to the dispute. The letter contained the dispute and included a screenshot of them not being authorized to be a third party collector in Texas. 

I also, sent the exact same letter to each credit reporting agency XXXX XXXX, XXXX, and XXXX  XXXX requesting them to delete the account with attached screenshot from the Secretary of State in Texas. Both XXXX  and XXXX failed to respond. XXXX responded saying they received verification from Midland Funding that this account is correct. That was not my dispute. I requested to have the account deleted as Midland Funding LLC is in violation of Texas debt collection statutes. I'm wondering how is it that Midland can provide verification to the credit reporting agencies and willfully ignore my request to delete the account. 

I have given them several chances to correct their error and they have neglected to do so. Both Midland Funding LLC and the credit reporting agencies continue to violate my consumer rights, so I'm filling a complaint in an effort to get my request resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Barclays collaborated with XXXX XXXX and issued me an Wyndham Rewards Visa Card to purchase " points '' that I did not want. 
XXXX used deceptive practice and fraudulent pressure to sell their product, and Barclay being the active party immediatey issued a $ XXXX credit card making it difficult to back out. 
Since XX/XX/2019 I have been paying back the loan. I never used the " points '' and will be not be using it in the future. I had exceed the 5 day grace period in XX/XX/2019 to back out of the application. ( Less than a month ) I called them but they provided no resolution. The card was technically never activated by me. 
Just to keep myself from being reported to the Credit Burea I continue to make a monthly payment. I am nealy XXXX and was very tired on the date of the purchase. The value of the Club package was $ XXXX which they kept being charging to this card. I currently pay over {$150.00} in monthly interest. 
I relaxed a moment only to become a victim to their scheme - a nightmare. An entanglement impossible to get out without spending even more money. 
Lost all my respect for Barclay a financial instituion I had admired.

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 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
XX/XX/2021 There is a scam transaction of {$1000.00} from my account. I called my back but they are not able to refund this amount to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
In 2020 due to the covid 19 pandemic I could not pay my mortgage, then I applied for a partial claim in XXXX I received a letter dated XX/XX/XXXX saying that I was approved for the amount of {$11000.00}, later in XXXX I receive another letter dated XX/XX/XXXX2020 that says that the partial claim was not approved, I am forced to sell the property for many unfortunate circumstances, at that time the title company finds that there is a link in XXXX XXXX CLERK OF COURT, XXXX XXXX XXXX, The tile company decides to hold the amount of {$11000.00} until HUD or FHA send the payoff of that supposed second mortgage which was not paid to my loan which was already paid in full on XX/XX/XXXX, until now XX/XX/XXXX / XX/XX/XXXX I have not received an answer as to what happened with that money, I have called and sent emails to the 3 companies involved in the transaction and I have not obtained any answers, I need to close a business in a new property and I can not do it until this problem is clarified. I appreciate the help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a High Interest Savings Account with Citibank about two months ago. I was able to transfer all of my money from my personal checking account with XXXX. When I try to transfer money back out, the transfer is rejected. This has happened XXXX separate times and each time I have spent hours on the phone with Citibank. The tell me they unfreeze my account but it just happens again. I have not been able to transfer any money back into my checking account. I am a single mom and need to transfer that money to pay my bills. I am desperate and don't know what else to do. Thank you in advance for any help you can provide me with.

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 2021-05-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TX

Complaint narrative:
I XXXX XXXX was running a local restaurant for several years by the name of XXXX XXXX, a division of XXXX XXXX XXXX , XXXX. The business was closed in 2019 due to a lack of business, and currently I have over {$150000.00} in corporate debts that I can not pay. Accordingly, even though I did my best to maintain payments to my US BANK corporate card ending in XXXX, I can no longer afford to pay on this account with a balance around {$17000.00}. Therefore, I request a reasonable settlement in six payments to SETTLE this account permanently without any further interest and penalty charges. 

XXXX XXXX President of  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 2021-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I made a payment to them on XX/XX/21. They returned it on XX/XX/21, then they accepted the payment, then charge me a {$25.00} late fee. According to them they having problem with my bank which XXXX. None of my other credit cards are having this problem. This the XXXX time it happen, I think they are doing it on purpose to charge me a late fee.They are ripping me off! I believe they doing this to other people too!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have 2 bankruptcies showing on my credit report. After contacting the court in which they stated that they dont share information through third party

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 2021-05-11 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XXXX, 2021, I wrote to the company to ask about some purchases that I made, which were subsequently canceled and the company refunded my money. I was curious why this didn't show up on my statements. I never received an answer. Instead, about a month later, I received a letter in the mail ( from Chase ) telling me they were researching my " dispute. '' I wrote back, saying I hadn't filed a dispute and asked what the topic of this supposed dispute was about. I have never received an answer. Approximately 30 messages have gone unanswered by them. Phone calls aren't answered. 
Today, I got another letter, telling me that I am going to be charged {$100.00} because they reversed their decision on my dispute. This is outrageous. I NEVER FILED A DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In XXXX I lost my job, and XXXX repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. 

In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over three years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments still? And why is the balance still the same, was the car not sold? 

I called XXXX again this past XXXX of XXXX, and a representative told me that the account has been charged off for years, well if this is so, why is my credit reports stating different? 

Every month the credit bureaus are allowing this company, XXXX to report inaccurate information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. 

This company is updating incorrect information every month, and although I have disputed these inaccuracies in writing with XXXX, XXXX, and equifax, they still allow this company to destroy my credit by reporting unverified inaccurate information every month. 

This account is intentionally destroying my credit file. 

I am in the process of trying to establish a better life for my children and myself, but I can not because every month, this company ( XXXX  ) destroy my credit worthiness by reporting inaccurate unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I opened a consumer account with Gemini Trust Company , LLC using their XXXX  App on XX/XX/XXXX under my personal email account XXXX. My account was verified by them on the same day of XX/XX/XXXX. I made my first transaction to purchase the cryptocurrency XXXX on XX/XX/XXXX, in the amount of {$480.00} charged to my credit card. On XX/XX/XXXX I tried to access my account through the app and was prompted to verify my identification again. I have not had access to my account or my funds since XX/XX/XXXX. I resubmitted my California driver 's license as requested for review. I followed up with numerous emails to their customer support through their website ; https : XXXX as well as by email on XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. I received an email reply on XX/XX/XXXX as follows : Hi there, Thanks for reaching out and apologies for the delay in response. 

The recent surge in interest in cryptocurrency has resulted in a backlog of support requests to our team. This has impacted our verification and support queries, which we are working diligently to resolve as quickly and effectively as possible. 

In an effort to help self service your inquiry, we have been actively updating our Help Center ( XXXX XXXX XXXX ) with answers to common questions about our platform and services. 

However, if your support case has not been resolved and you still require assistance, please follow up to this automated email by replying directly to this email and an expert will be back to you as soon as possible. 

Once again, thank you for your patience and understanding. 

XXXX and XXXX, XXXX XXXX was given a trouble ticket # XXXX. My ticket has still not been resolved and I do not have access to my funds as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$230.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX  XXXX  with ACCT # XXXX  opened onXX/XX/XXXX with a balance of {$1700.00} -This is not my account.

2. XXXX  XXXX  XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

3. XXXX/XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- OTHER ACCOUNT 4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
The Simple/BBVA transition has been absolutely atrocious. BBVA announced Simples closure earlier this year, and I am now on day three without access to my checking or savings accounts, I have spent approx 3 hours trying to get through to a live person, and I am not convinced my money will be there when I can get into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation