vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 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: United Shore Financial Services, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, rather than sending one monthly payment, I submitted bi-weekly half payments to United Wholesale Mortgage per the attached document. Couple weeks after the initial payment, I noticed that my online account did not show the payments posted. I contacted UWM to inquire about the account, and at that time I was informed that they don't accept partial payments. UWM refunded the third payment with a check that was cashed, but the first two checks were not received and sat in a suspense account without posting them to my mortgage. Starting XX/XX/XXXX I continued to contact UWM and requested them to transfer the funds in the suspense account to my mortgage to remove the late reporting, but their response was that they were researching the issue and it would take a couple of weeks to resolve. From XX/XX/XXXX until XX/XX/XXXX I continued to call on a weekly basis requesting updates on the resolution to no avail. I requested multiple call backs from supervisors, but they never called. It wasn't until XX/XX/XXXX that I was able to reach a supervisor that cared enough to apply the funds to my mortgage and clear the account. Attached you will find the list of payments they received and how they were posted, and you will also see that nothing is reported late. 
Their failure to apply the funds sooner triggered the late credit reporting, and they are unwilling to remove it. 
This has adversely impacted my credit score and the ability to open new accounts. I can't apply for new credit because I have been turned down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received an email from BofA that a recent payment to my bankamericard credit card had been reversed and that I still owed the amount due. I immediately called BofA and was told that if I made the payment I'd possibly be charged a fee, but that I could have it refunded. 

BofA has clearly acted in bad faith by leading me to believe that a possible fee could be avoided. They knew all along that they would charge me the fee, while telling me that if I made the payment right away I would not. This deception was made to profit at my expense. Acting in bad faith, BofA told me one thing and then did another for the sole reason of profiting at my expense.

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 2020-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: VA

Complaint narrative:
I have been trying to pay my mortgage for 3 months the mortgage was sold to another company I've called that company for different times and told him my address to send me a statement they still have not done that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I placed a credit freeze on my account with Equifax after their security breach. I was identified as a victim of that breach. I tried to unfreeze that account. I'd saved my PIN and thought this would be a straight-forward process. Equifax apparently has erroneous data on me in their database. I can not login online and was instructed to call an 888 number. I did so and a machine asked me four initial questions. Then the machine said they'd need to ask two more questions. I was then asked a question in XXXX! I do NOT speak XXXX! When I finally got to speak with a human being, she kept asking about my previous credit cards and department store credit cards. I've never, to my recollection, had a department store credit card. I've had the same bank account credit card for the past 18 years. But that was apparently not the credit card she was looking at on her terminal. She asked about a personal loan and an automobile loan. I believe I may have had a personal loan with my wife in 1985, but am not quite sure. I've no idea if that was the " personal loan '' she was speaking of, but I have not had another personal loan since. Also, I haven't had an automobile loan in 14 years. I remember it was for a XXXX, but I don't remember who the dealership arranged financing with and it was paid off over a decade ago. I told her all this and then she hung up on me. This was after being on hold for 20 minutes! 

They will not let me unfreeze my account and it is all because they have bad data on me in their database! 

The settlement they reached with the federal government should have been that they closed all operations. It is a disgrace how they operate. I need to co-sign a car loan for my daughter and I am completely stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recieved in the mail a credit card statement from Capital One with a XXXX   balance and a due date of XX/XX/20 for an account ending in XXXX. I do not, nor have I ever had a credit card account with Capital One. I called the customer service number on the statement ( XXXX ) and reported the problem. The agent said that I had to give him my 9 digit Social Security number in order for him to resolve the issse. When I refused, he said that there was nothing he could do for me without it. Since I am not, nor have I ever been a Capital One customer, I don't understand why they would need my Social Security number or how it could possibly help them resolve an incident of fraud. ( They also asked for my date of birth which I gave them ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Dispute : XX/XX/2020 CFPB Barclays Bank Incorrect account balance reporting {$760.00} Contract I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is Barclays Bank Delaware with an original debt of {$760.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$560.00} to the creditor via the consolidation program and my balance now due is {$200.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last 6 months and have not been able to receive a response to any of my communication. 
On XX/XX/2020 I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC. 
It has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer to the creditor on XX/XX/2020 to pay off a remaining balance of {$760.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$560.00} via the consolidation company and report the actual correct balance of {$200.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.

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 2020-03-06 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: GA

Complaint narrative:
Dear CFPB I am writing to you with heavy heart that XXXX XXXX bank reported that i was late to pay them mortgage on XX/XX/XXXX. I never had any late payment in my life time and had 100 % on time payment record until this report. I am sending you 3 month bank deposits for XXXX, and XXXX of XXXX and XX/XX/XXXX to show my proof of payment to them. 

During XXXX even after i sent them payment on time they did not post it due to Escrow amount changed ( my tax got increased ). they were expecting about another {$250.00} on top of my regular amount. When i received a phone call from them i paid that over the phone immediately. 

I am sending the letter from XXXX XXXX saying they found my missing payment and i should be good. any late payment will be waived and they will update credit bureau too. When i saw the notification from XXXX XXXX that XXXX XXXX is reported me being late i was shocked. it happened after i got that mail! i immediately called them and they told me it will be fixed and they will update credit bureau. it should take 3 to 4 weeks to update. 3 weeks after than conversation i received a letter saying they will not fix it as it was  not their error.

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 2020-03-06 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: GA

Complaint narrative:
Dear CFPB I am writing to you with heavy heart that XXXX XXXX XXXX  reported that i was late to pay them mortgage on XX/XX/XXXX. I never had any late payment in my life time and had 100 % on time payment record until this report. I am sending you 3 month bank deposits for XXXX, and XXXX of XXXX and XX/XX/XXXX to show my proof of payment to them. 

During XXXX even after i sent them payment on time they did not post it due to Escrow amount changed ( my tax got increased ). they were expecting about another {$250.00} on top of my regular amount. When i received a phone call from them i paid that over the phone immediately.

I am sending the letter from XXXX  XXXX saying they found my missing payment and i should be good. any late payment will be waived and they will update credit bureau too. When i saw the notification from XXXX XXXX that XXXX XXXX is reported me being late i was shocked. it happened after i got that mail! i immediately called them and they told me it will be fixed and they will update credit bureau. it should take 3 to 4 weeks to update. 3 weeks after than conversation i received a letter saying they will not fix it as it was not their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: GA

Complaint narrative:
Dear CFPB I am writing to you with heavy heart that XXXX XXXX XXXX reported that i was late to pay them mortgage on XX/XX/XXXX. I never had any late payment in my life time and had 100 % on time payment record until this report. I am sending you 3 month bank deposits for XXXX, and XXXX of XXXX and XX/XX/XXXX to show my proof of payment to them. 

During XXXX even after i sent them payment on time they did not post it due to Escrow amount changed ( my tax got increased ). they were expecting about another {$250.00} on top of my regular amount. When i received a phone call from them i paid that over the phone immediately. 

I am sending the letter from XXXX  XXXX  saying they found my missing payment and i should be good. any late payment will be waived and they will update credit bureau too. When i saw the notification from XXXX XXXX that XXXX XXXX is reported me being late i was shocked. it happened after i got that mail! i immediately called them and they told me it will be fixed and they will update credit bureau. it should take 3 to 4 weeks to update. 3 weeks after than conversation i received a letter saying they will not fix it as it was not their error.

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 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SIMMONS FIRST NATIONAL CORPORATION
State: CA

Complaint narrative:
I have had a Visa credit card account with Simmons Bank for many years. I had a small refund check of about {$7.00} that I couldn't cash because it was payable to both me and my ex-husband. We were divorced in 2010. When I mentioned to their customer service that I was divorced they said that I would need to complete some paperwork and remove my former spouse from the account. She stated that this is required if you are divorced. They closed my account and declined a charge on XXXX for {$21.00}. This account is paid as agreed and currently has a zero balance. 
The Information Sheet for Bank Card that they sent to me is a credit application. I am required to reapply for this account and leaving the account as a joint account was not available as an option. 

This is a violation of the Equal Credit Opportunity Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I returned a car, early, to GM Financial Leasing after a 48 month term on XX/XX/2020. The car was scheduled to be returned by XX/XX/2020. I received a letter today dated XX/XX/2020 from the leasing company with an " itemized breakdown of the remaining amounts due on my account ''. They are requesting a total of {$650.00} for a disposition fee {$590.00} + {$.00} past due payments + {$56.00} for " official fees/taxes imposed by government agency ''. This money is due on XX/XX/2020 and they threatened to report non-payment to the credit reporting agencies. I called and spoke to their representative who explained the disposition fee is something I have to pay because I did not lease or buy another GM product. I was not happy with the car. I subsequently did not choose to buy or lease another GM product that I consider substandard. The car had a fender that popped out and the service person at the dealer knocked the fender back in with his fist. No bolts or glue to hold it together. I returned the vehicle in good condition with no excess wear & tear, XXXX miles under mileage allowance & a new set of tires. I talked to XXXX & his manager, XXXX ( ID # XXXX  ) and they would not waive the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arete Financial Group
State: NY

Complaint narrative:
Disputed : XXXX/XXXX/XXXX CFPB : XXXX XXXX XXXX & Arete Financial Group LLC Account : XXXX In XX/XX/XXXX I contracted the services of Arete Financial Group, LLC a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for XXXX   reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : XXXX XXXX XXXX with an original debt of {$790.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$190.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer to the creditor on XX/XX/XXXX to pay off a remaining balance of {$760.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$600.00} via the consolidation company and report the actual correct balance of {$190.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I opened an account with XXXX XXXX XXXX. 
The account was charged off, and a company called Portfolio Recovery Associates claims to have purchased the debt. 
I subsequently paid back XXXX XXXX XXXX  Directly for this debt. I have attached the proofs of payment. 
Portfolio Recover refuses to remove the tradeline from my credit report or update it as paid to XXXX   XXXX in full. 
I have sent portfolio recovery two separate written letters asking for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
NEVER APPLIED FOR THESE

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 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX citi diamond secured card 1. i sent in a {$200.00} Deposit for a secured Citicard 2. after 2 months i lost my job and called to cancel the card 3. the balance at that moment was XXXX $ 3a. because this was a secured card the balance was to be deducted from the {$200.00} deposit leaving me a {$70.00} refund.

4. next month i received a billing statement account was still open and a {$28.00} late free was added to the balance. i called them again and asked if the call was being recorded? Yes! I lost my job, please close this account.

5. the woman stated she wanted to leave the account open another 30 days just in case there were more charges. NO NO NO, there are no more charges, i do not consent. i need this account closed.

6. the next month i received another bill for an additional late charge six months of late charges after i closed the account!!!!

7. the card is now over the {$200.00} limit and continues to accrude fees 8. by the time the XXXX $ security deposit is added the balance is now around 20 {$9.00} they waited two billing cycles and now there is a balance of XXXX $ all late fees and interest and i have not spend a dime had they cancelled the card when i requested in XXXX they would have owed me money. 
10. i can only assume that FDIC insurance works both ways and they were collecting from the government.

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 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I open an account with Suntrust on XXXX or XXXX. I had an account with XXXX  XXXX XXXX. Within two days XXXX and XXXX, I XXXX money to my Suntrust account from my XXXX  XXXX XXXX account to fund it. The amount was XXXX dollars. 

On Friday, I access the account to set up bill bay and it stated my account was restricted. I immediately contacted them and found out my account was closed due to rules and regulations and that I will have to wait at least 15 days and I may receive my funds. I ask to speak with the Suntrust supervisor to see if anything can be done, in order to get my money. They advise that nothing can be done. I even ask if I can go to the branch to receive the funds due to that was most of my money and I had a little on my me. 

They advise that they couldn't do anything and if applicable I will be mail a check of what ever the amount is

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 2020-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened an account with Capital One Bank. 
The account was charged off, and a company called XXXX XXXX XXXX claims to have purchased the debt. 
I subsequently paid back Capital one Bank Directly for this debt. I have attached the proofs of payment. 
XXXX XXXX refuses to remove the tradeline from my credit report or update it as paid to capital one in full. 
I have sent portfolio recovery two separate written letters asking for this to be rectified.

Company response to consumer: Closed with explanation