vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
This is a continued problem with from my prior complaint with XXXX XXXX, today the XX/XX/XXXX XXXX says they are turning down the modification that Shellpoint sent them because XXXX page was not filled out, and are proceeding with the foreclosure. 
Shellpoint sent me the documents according to my files in XX/XX/XXXX and I returned and had them signed notarized as Shellpoint had requested me to do. There was only XXXX document that could not be signed that was the loan assumption because it had my Mom 's name on it, she is dead ( XX/XX/XXXX ) and Shellpoint knew this and yet continued to raise my Mom from the dead and then again rebury her and send things to the Estate of XXXX XXXX XXXX. 
I signed everything that I was sent and sent them back. 
So Shellpoint had lots of time to go through all the documents and see that everything was right before they sent them on to XXXX and sold the loan to XXXX sometime in XXXX, and Contact me. 
Now, comes XXXX to tell me that the XXXX missed XXXX page that he did not fill out and for that reason they are not going to honor the Shellpoint loan modification. I am waiting for these modification documents to be returned to me from XXXX, so that I can give them to my attorney. If XXXX has an issue it's not with me, they got a loan that the package should have been completed by Shellpoint, and checked off, bye Shellpoint not by me, I did not sell XXXX the loan Shellpoint did. XXXX 's argument should be with XXXX not with me, and my Modification should still be good I had no control over the documents after they are submitted to Shellpoint and sat with Shellpoint till XXXX bought the loan sometime in mid XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I recently refinanced our mortgage, which was utilized to pay off outstanding credit debt. XXXX XXXX sent a check to Synchrony Bank ( Care Credit ) in the amount of {$1100.00} on XX/XX/2022 to pay off the balance for our Care Credit account. Synchrony Bank has consistently insisted that they never received a payment, despite being given both a copy of the cancelled check as well as a copy of the bank statement from XXXX XXXX 's bank account showing that the check in that amount had been cashed. We opened a dispute three separate times ( most recently in XX/XX/2022 ) to have the payment reflected and Synchrony continues to indicate it's not been paid. I've continued to pay the minimum payment to avoid having the account go into collections and report to my credit report ( over {$200.00} extra at this point ). Synchrony refuses to credit the payment to our account, so we're essentially double paying at this point.

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 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Since XXXX, several attempts have been made by me and by different credit repair company 's to dispute inaccurate collection accounts on my credit report by Midland Credit Management. I have disputed and contacted the aforementioned debt collection agency, yet, they continue to provide inaccurate and altered documents to show that a debt is still owed. In XXXXXXXX XXXX XXXXXXXX, upon calling the agency to clear up the inaccurate collection accounts, the agency stated that they no longer show or have any accounts associated with my name or the alleged account numbers, yet the accounts have remained on my credit report causing me to be denied approval for loans or offered extremely high interest rates. After pointing out inconsistency in documents sent to me by the agency, they still refuse to remove the debt and have since ceased to discuss my account with me stating that I have an attorney involved, which I don't, that prevents them from speaking with me. I would like for the collection accounts to be removed from all credit reporting agencies data, as it is inaccurate and causing negative impacts, thus violating my fair credit reporting rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Northern Trust Company, The
State: CA

Complaint narrative:
Northern Trust Bank incorrectly desposited a trust into my XXXX IRA and is unwilling to help remedy the problem. 

Approximately 1 year ago ( XX/XX/XXXX ), I received shares from a XXXX in the amount of approximately {$500000.00}. I was contacted by Northern Trust Bank ( NTB ) to process the transfer. I was asked if I had an account elsewhere without specification for type. I provided the account number for a XXXX XXXX Account- which was a XXXX IRA. NTB then deposited the shares into that XXXX IRA. I had no knowledge that I needed to create a different account type or that something incorrect occurred. 

Fast forward to XX/XX/XXXX, I went into XXXX to begin the process to speak with a financial planner to start learning what to do with the funds. I was informed at that time that the money was incorrectly send to the XXXX IRA and it needed to be fixed. 

I contacted NTB to ask for support. Despite many attempts and many emails/calls to different people at NTB, they refused to help. In one email the response was, " Please work with your company to get this matter resolve as your mistake has nothing to do with Northern Trust ''. 
I disagree that it has nothing to do with NTB and that it was my mistake. NTB was a fiduciary advisor to the trusts and I believe, if they were working directly with me to make sure the funds were distributed correctly, which is their responsibility and for which they have expertise, they should have explained exactly which type of account I should open, they should have verified the account information to see that the one I provided was a XXXX and then provided instruction on next steps. If they would have directed me to open a brokerage account, I would have done so. 

XXXX have been going above and beyond to try to help remedy the situation. In an attempt to fix the error, XXXX attempted to return the funds to NTB to again receive them into the appropriate accounts. NTB declined some, but accepted some. Currently, there are approximately 600 shares in a " holding account '' that I can not access and that no one can seem to find, and the remainder are still in my XXXX IRA. 

I have spent countless hours on the phone with XXXX and XXXX ( where the holding account lives ) in an effort to get the approximately 600 shares back. I have been unsuccessful to date.

I would like to understand why NTB did not verify the account details to ensure the shares were going to an acceptable place, why they did not specify the account type needed, and why they are not willing to help remedy the situation when it was their fiduciary duty to ensure the funds were transferred correctly.

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 2023-02-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc.
State: MT

Complaint narrative:
I have a mortgage with XXXX XXXX XXXX and refinanced in late XXXX. Payments were always auto pay and since the amount had changed the first 2 pmts were not processed. I spent hours on the phone and throughout the process had two late pmts reported to my credit and told by XXXX XXXX I'd have to work through the extensive process of appealing their reporting to credit without a care in the world from them. Once payments were finally on track for nearly a year I once again rec 'd a notice that my XX/XX/XXXX payment is delinquent, and again reported to collections and, again, credit destroyed. These payments all cleared my account and once the XX/XX/XXXX payment was reported delinquent with late fees and reporting, along with continual receipt of letters in the mail and calls to both my lender and my bank on conference with XXXX XXXX XXXX it was indicated that the wrong loan number was on the checks from my bank... the exact same loan number that was ok to process for nearly a year each month prior. After clarifying the issue this lender told me they already reported to collections, even though payments were made on time like always and that I was wholly responsible to walk through the lengthy time consuming process to dispute their filings without any input or assistance from them. Now, in XXXX and into mid XXXX, XXXX I'm still receiving delinquency notices for the XXXX payment that was XXXX directly to this lender along with the supposedly delinquent XX/XX/XXXX payment. And, the XXXX payment is now delinquent... already cleared my account and the loan # matches perfectly on my auto payment. Now I'm spending more time on the phone and zero assistance, was even hung up on while on hold to speak with a manager or anyone capable of helping their so called costumer. I've had numerous mortgages over decades and have never experienced anything so unbelievable and incompetent. I will highly recommend NOT working with this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I have my Mortgage with SLS, Specialized Loan Servicing, located in XXXX, Co. I have had my mortgage with them for several years. It was purchased from an original company I had found on line, which was a fine company. SLS makes it extremely difficult to access account information via their phone service ( phone tree ) or their web site. 

On the phone tree, today I spent 7 minutes wading through the menu options, finally getting through to an actual human. She put me on hold for 10 minutes, and then the call disconnected. 

As bad as the phone tree is, the web site is worse. I have always had trouble using their web site, in the last year I continue to get locked out or the XXXX returns a " bad request - request too long '' error message. When I called about this, after another 20 minutes of phone tree stupidity, I was told the SLSXXXX  account was wrong and they gave me a completely unrelated web address, XXXX  That worked one day, since then I have not been able to access my account on the web - same error message as the other link. Back to the terrible phone tree. Sigh.

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 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I have not received credit for the {$500.00} referral promotion bonus that was advertised. I referred XXXX XXXX, SSN ending in XXXX, who opened a Capital One card a couple months ago. When will I receive the referral credit to my account ending in XXXX? 

I was able to get an answer from the Capital One website. 

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
CC company calls XXXX @ night. 

Notices calls come on each an every time I use my personal debt card. I believe the company is invading my privacy. 

The company is violating several laws listed below I have blocked numerous phone numbers from this credit card company. 

Creditors and debt collectors are not allowed to repeatedly call you throughout the day trying to get you to pay them money. The Fair Debt Collection Practices Act ( " FDCPA '' ) and XXXX Fair Debt Collection Practices Act ( " RFDCPA '' ) have very clear rules that state calling multiple times a day is not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I HAVE FILE FTC REPORT AND I DID EVERYTHING ON MY PART XXXX SEE THE ISSUE THE DOCUMENT ALL PROOF AND STILL REFUSE TO FIX IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
National Credit Systems , Inc is attempting to collect a debt that has already been paid off AND is sending letters to my child under XXXX. 

I have attempted to reach out to the apartment complex where the debt originated and asked them to confirm any other balances due but I have not received communication. I left them another voicemail today XX/XX/23 asking them for the same thing. 

I do not know why they referred the debt over to national credit systems Inc with my daughter 's name if she is under XXXX... 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: NV

Complaint narrative:
I tried to resolve this matter on my own serval times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.

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 2023-02-15 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I purchased a vehicle in 2016 with a XXXX XXXX through XXXX XXXX. I paid consistently for 2 yrs then lost my job. I self repossessed returned car which was run through auction. To this day 7yrs later it is still on my credit as an open delinquent account with same money due from before auction. I have contacted them with no option but to pay full amount. They keep checking my credit and will not close account or remove it. It is hurting my chances of ever getting a home loan or better credit. I feel this practice of high interest loans is wrong as it can never be paid off successfully. I need help getting it removed or closed. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
I defaulted on the loan initially bc I was out on medical leave from work. The end result was a judgement. They also never updated my address to receive the court notification. Ask XXXX to do so before it ended in litigation. That never happened. It went to court found out through the court because they had my correct address. Call to make arrangements to pay back before garnishment of my wage. My issue is the original loan amount was XXXX on a 6 month term. They sued me for XXXX. Which also includes court filing fees. I was sued for the whole contract amount that included interests at 179 percent. I made payments arrangements with XXXX which I have kept. She sends me a month statement via email. Last one she sent had a balance of XXXX. I made another payment since then of XXXX. I called her to make confirmation the now I owe XXXX and it would be satisfied. She then sent me a email saying I owed XXXX and change. That they are charging me again 180 percent..This is predatory. I will never get this paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
XXXXXXXX

PLEASE REVIEW AND OPEN ME MY ACCOUNT.  I WAS INVITED BY YOUR COMPANY TO APPLY, I DID. MY SCORE IS XXXX I really need this account to be opened. see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson capitol sus does not belong to me and they will not take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
All accounts reduced credit limits without any adverse payments or total balances. Dropped XXXX XXXX caused a domino effect. Has disgrace my credit worthiness and I believe our credit characters were discriminated and defamed. Synchrony Cards XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. All have had dratic reductions affecting our scores.

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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the unethical and possibly illegal actions of Bank of America regarding the handling of my checking account. Recently, my account was shut down without warning, and upon inquiry, I was informed that it was due to a bad check that I allegedly submitted. However, I was never provided with any evidence of this check, nor was it ever returned to me as it should have been. 

Furthermore, Bank of America failed to disclose information regarding the deposit insurance that was supposed to be used to open my account. Instead, the funds were placed in an escrow account, with no disclosure that I could have claimed the insurance. This is a clear violation of GAAP procedures, and I demand that Bank of America be held accountable for this breach. 

To add insult to injury, Bank of America has been using deceptive practices to contact me regarding a debt that I do not owe. This is highly concerning, and I fear that they may be engaging in fraudulent activities. I demand that the CFPB investigate these practices immediately. 

Moreover, I am highly suspicious of Bank of America 's management of my funds, especially in light of their failure to provide me with full disclosure regarding the deposit insurance. They have been taking the compound interest each month, which should have been placed in my account, and have since closed my account. I demand that the CFPB look at the ledger of Bank of America and retrieve any securities that have my name on them and belong to me. 

In conclusion, I urge the CFPB to take swift and decisive action against Bank of America to rectify these egregious violations. Thank you for your attention to this matter.

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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo has restricted access to all of my accounts. I have been trying to access my accounts for over 3 years now as seen in Case number XXXX from XX/XX/XXXX to Case Number XXXX on XX/XX/XXXX - I have remained in the same place with Wells Fargo since XXXX XXXX of our business relationship beginning in XXXX. I am very concerned that these cases have all been a huge waste of my time. That they are wasting societies time for monetary gain and less penallties.

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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo launched Pay Early by giving everyone direct deposit access 2 days early, past direct deposits were available as promised, Today XX/XX/ direct deposit is not available. Its a just another scam from Wells Fargo trying to charge extra fees to people assuming direct deposit is available 2 days early.

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