BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my mortgage on or about the 1st of every month via my bank 's online bill payment portal. On XX/XX/XXXX, my account was debited by Atlantic Bay for the full amount of my mortgage payment, but Atlantic Bay did not post the payment until XX/XX/XXXX, a full 20 days later. 

This had at least two negative effects on me : ( i ) Atlantic Bay assessed me with a {$100.00} late fee ; and ( ii ) posting my payment late affects my interest calculation and increases my finance charge. 

Further, Atlantic Bay either benefits from the float of debiting my payment 20 days before posting it against my mortgage, or has inadequate controls around its payment processing operations. 

I reported this to Atlantic Bay, and specifically addressed my complaint to its Chief Risk & Compliance Officer, XXXX XXXX. Atlantic Bay removed my late charge, but it did not change the date my payment was applied. I have not heard back from Ms. XXXX or Atlantic Bay about why my payment posted 20 after being debited. 

Upon further research, this appears to be a systemic issue for Atlantic Bay. In addition to posting my XXXX payment 20 days late, Atlantic Bay : ( i ) debited my XX/XX/XXXX payment on XXXX but posted that payment on XXXX - 8 days later ; ( ii ) debited and posted my XX/XX/XXXX payment on XXXX - not posted late ( however, Atlantic Bay 's ability to debit and post my payment on the same day makes its practice of posting payments late seem either intentional or that Atlantic Bay does not have sufficient compliance functions or controls ) ; ( iii ) debited my XX/XX/XXXX payment on XXXX but posted on XXXX - 3 days later ; ( iv ) debited my XX/XX/XXXX payment debited XXXX but posted on XXXX - 2 days later, ( v ) debited my XX/XX/XXXX payment debit XXXX but posted on XXXX - 8 days later, ( vi ) XX/XX/XXXX payment debited on XXXX but posted on XXXX - 3 days later ; and ( vii ) debited my XX/XX/XXXX payment on XXXX but posted it on XXXX - 4 days later. Had Atlantic Bay posted this payment when debited ( XXXX ), I would have been able to deduct the amount of interest from my XXXX federal income taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello, my name is XXXX XXXX and I received a Chase bank debit card in the mail on XX/XX/21 under my maiden name XXXX XXXX. I reached out directly to Chase bank and advised them that I never opened this account and also that I haven't used my maiden name in over 14 years. Per the Chase bank representative there has been activity on the account. I was also advised that they would be place a hold on the account as they work to close it out. I was provided with claim # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: ORG GC GP Buyer, LLC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I want to get my status to open and start making affordable payment I cant keep having the irs take my income tax which is completely for my kids college fund I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen resulting in unauthorized ACH attempts on my checking account. XXXX XXXX closed my checking account due to it having a negative balance from the identity theft. I called to have this resolved and they said since it happened over 3 months ago then they can not launch an investigation. They also said they can remove the negative information from my report if I pay the negative balance, they said they are not concerned about my identity being stolen they just want their money.

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 2021-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Step 1 : What is this complaint about? 

A cashiers check was purchased using my account information at Bank of America branch on XXXX XXXX XXXX XXXX, NY XXXX in the amount of {$700.00} on XXXX without my consent by an imposter. The banks fraud department freeze the account and opened a new account and refused to return the funds, stating they have to recover the funds first and it will take 90 days to complete an investigation. I dud not authorize funds from my account to be used by any external or internal person or agency and this is fraud. 

The bank has since closed the case on the basis that I received funds through an ATM transaction which is not the case. An ATM transaction was attempted on the same day but not at the same time for the same amount of {$700.00} but the ATM did not disperse the money. I contacted the servicer of the ATM in the bank as advised by one of the branch bank representatives and they did issue a credit or reversal the same they to cover the funds so that was resolved with no needed investigation. 

I did take an over the counter withdrawal of {$700.00} that same day after the ATM did not disperse the funds. 

The bank removed the transactions for view online and now deny a cashiers check or additional over the counter transaction was completed for {$700.00}. 

I am filing a complaint against the Bank of America branch for mismanaging the funds in my account and participating in fraudulent activities. 

I request the Bank of America return my funds and an investigation conducted. A subpoena of the bank records regarding any and all accounts in my name or sub accounts attached to accounts in my name should be sufficient evidence. I have banked with them since around 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 2021-03-25
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, I called Velo collection attorneys to resolve a {$1400.00} debt I have with XXXX XXXX. The unprofessional woman I spoke to adv me that I now owe over {$1700.00} for all accounts attached to my social security # ... I do not have any other debts and after I had to press her to explain where the extra accounts are coming from she then stated the the extra fees are from their office. I said ok I would like to pay the {$1400.00} and settle this debt TODAY to be done with it. The agent then stated that they would be more than willing to take my payment but that will not settle the debt. She stated I would still have to go through 'settle process '. My question to her was then so why would I pay you all {$1400.00} today if the debt may not be settled? I then asked for a supervisor and she told me I would have to put the request in writing to have a supervisor to call me back. ( what established reputable company is actually requesting written requests for a supervisor call back not to mention hand writing a letter during a pandemic ) At this point I asked what is the settlement process and after she advised me I then advised so now my settlement offer will now be {$500.00}!!! I tried to pay what I owe since I have the money, thanks to the stimulus money, but this company is totally full of it and now I can only pay according to my expenses because I am sure something else will come along for me to use the money for. 
So to sum it all up I want to resolve/settle this debt on the same day because I think we can all agree that it can take up to 10 business days for a this company to get my written request via the mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was written a letter of owing for a carpet cleaning in the amount of XXXX after moving out of my apartment of 11 years on XX/XX/XXXX of last year. I know for a fact having lived their that long that they replace the carpets immediately following a move out, so why would I owe to get something cleaned they are going to remove? Please see my email to them the day I received the notification. Following this email to them I heard nothing else and then it hits my credit report for collection. I do not owe this amount and this should be removed from my credit report as it is now hitting it in a negative manner. I would like your help in resolving this as I can't get this resolved with the company because they don't answer the phones at any of their locations. 

To whom it may concern, I recently moved out of this unit after having moved in XX/XX/XXXX of XXXX. From XX/XX/XXXX to XX/XX/XXXX of XXXX, not one thing other than the water heater that busted and the compressor that wore down, because who knows how old it was already, was replaced aside from a few toilet handles etc, here and there. You can not tell me that the carpet, which you want to try to charge me XXXX dollars for, isn't due to be replaced before someone else moves in. That's just simply unsanitary. With this being said, I will NOT be paying for this bill. Especially when it was cleaned each year thru the company you have hired upon each lease renewal, as a deal to your tenants. If you continue to come after me for this obscene charge I will be reporting this request and the fact that you are trying to get out of replacing this for new tenants, especially after Covid season, to the XXXX. I had lived there long enough to know that you do in fact replace carpets in most units, so this should be no exception. This is insulting and frankly after being a gracious and respectful tenant that produced zero issues at your complex, I am extremely disappointed and find this very unprofessional. Thank you and please take this to your corporate office. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Also Known As : XXXX XXXX, Also Known As : XXXX XXXX, Former : XXXX XXXX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: AXOS FINANCIAL, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company keeps sending me letters about lack of master policy insurance ( the property is a condominium ) and threats to purchase insurance with my funds without trying to obtain it from my HOA. Latest letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good morning -- We refinanced with New Rez LLC ( which was also our previous mortgage company ) in late XX/XX/XXXX. All of our closing documents stated our first payment was due XX/XX/XXXX. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, I had been in touch with New Rez LLC to inform them that I received an email and a bill all stating the incorrect first date payment. Each time the customer service agent stated that it was escalated to Tier 2. They additionally acknowledged that it was a mistake by the Processing Dept but would not and claimed they could not get me in touch with that department to fix the error and they would send email. Each time, I asked that an email be sent to me to inform me that the mistake is being corrected and that indeed records do show that the correct first payment date is XX/XX/XXXX. I indicated that I want to be covered legally as this is a big issue and I'll not be paying a XXXX payment, as my closing documents clearly state XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to contact cavalry SPV I LLC to ask for proof that i owe this credit card debt they purchased from XXXX. they have not provided it to me. i did not open any such credit cards or anything like that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
https : XXXX ... ... ... ... ... .. 

On or about XX/XX/XXXX I received an unsolicited debit card by mail from Chase bank. I immediately contacted them and were told that the account had been flagged by their fraud team. They instructed me to get a police report and they would send me an affidavit to the fact. I talked to the police officer and he asked me if I ever had business with chase bank? I remembered having a mortgage with them in the late XX/XX/XXXX. This where things dont add up, I have a credit freeze since XXXX breech and get alerts. With my previous account with chase bank, they would have my credit info and a credit application. I checked the credit bureaus and on XX/XX/XXXX their was an soft inquiry for a promo and no alert was issued. Also, their have been no other merchants involved or no activity on any of the bureaus. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a settlement payment through my bank for an account that was sold to XXXX XXXX XXXX from Capital One. Instead of my bank sending it XXXX XXXX XXXX services they sent it to Capital One who is still holding my funds. I have reached out to them for several weeks now and they will not release the money sent. Capital One has been holding the funds since XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I AM A CONSUMER & Transunion is in violation of Consumer Protection Laws, including : 1. ) 15 U.S Code 1681 ( a ) ( 4 ) - " Infringed upon a consumer 's right to privacy '' 2. ) 15 U.S Code 1681 ( a ) ( 2 ) - " No permissible purpose/no written instruction '' 3. ) 15 U.S Code 1681 ( a ) ( e ) - " Improper investigative consumer report '' 4. ) 15 U.S Code 6802 ( a ) - " Disclosed consumer information received from a third party '' 5. ) 18 U.S Code 1028 ( a ) - " Unlawful possession of another person 's identity '' After several calls & letters. I sent them correspondence in XX/XX/2021 and they refused to make the necessary changes so attached is an invoice for each violation. Further action will be taken.

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 2021-08-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX has been discriminating against me. XXXX XXXX XXXX XXXX has inaccurate information about my credit and credit report. That has caused the company to deny me for their products and benefits. This is defamation of my character For several years they have been using this information against me as a consumer so they could charge me higher interest rates and make more money off of me. I am well aware that my credit reports are good. This issue is not one with the credit bureaus, the information is stored on XXXX XXXX 's App and not one of the 3 bureaus report this to them. They refuse to update the credit info they have. XXXX XXXX  has tried to push this off on the bureaus.I asked them to check my credit. XXXX XXXX has lied to me for years i know my credit status. I have spoken with supervisors in regards to this and they did not provide me with a good answer. I have been discriminated against enough this not the way to have a good financial relationship. Companies as well as credit reporting agencies are required by law to keep accurate information. This is not acceptable. I qualify just like my caucasian peers do. I want all of my accounts to be adjusted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: National Medical Administrators, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a collection agency for something that I didn't order. Status : Unanswered, I tried to call and was put on hold several times and no one ever answered. Date Received this collection notice : XX/XX/XXXX Reference # XXXX I received a notice from National Medical Administrators ( a collection agency ) for an amount I never charged nor did I buy anything from this company. I received a letter from this collection agency in the mail today XX/XX/XXXX asking for {$110.00} for XXXX oil that I never purchased. I had filled out a survey that said I would receive a prize for filling out the survey. After filling out the survey it took me to a web page where I could choose my prize and all I had to do was pay the shipping which I did. I then received the oil in the mail shortly after that. There was no indication that I owed anyone anything. After that, I had to change my debit card because someone hacked into my account. I assumed it was from this scam and I was very upset that I had even answered their survey, but grateful my bank caught it. I have not received a bill, until I received a letter from this collection agency saying that they have been retained by XXXX XXXX XXXX  for an obligation that I am responsible for this is the first I have heard about this. I never ordered anything from this company and never received a bill. I want this matter resolved so that I do not owe anyone any money, since I never ordered anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed for a chapter XXXX Bankruptcy on XX/XX/19 that was discharged on XX/XX/19. XXXX and Synchrony Bank are reporting this debt that was discharged in the Chapter XXXX as charged off. None of the accounts were ever delinquent or charged off debt. I've tried to dispute this to correct the information but it keeps returning as correct information.

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 2021-10-06
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX an account was opened and I was approved for {$1000.00} credit limit. XX/XX/XXXX I demanded a cease and desist following a letter to verify who the original creditor is. Discover defaulted on both letters by failing to respond. I also sent an affidavit of truth, invoice with violations of my consumer rights and Discover also failed to respond to those in a timely manner. 15 U.S.C. 1681b ( 2 ) states consumer reporting agencies shall not report any information unless the consumer gives written consent to do so. I did not give consent to put anything negative or positive on my consumer report. They also violated me by designing a form knowing that it will be used to create false belief that a consumer owes a debt and that is a violation of 15 U.S.C. 1692j ( a ) and 15 U.S.C. 1692b ( 2 ). I am a consumer and the original creditor.

Company response to consumer: Closed with explanation