vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: AR

Complaint narrative:
aargon is still reporting on my XXXX XXXX credit report as a time barred account

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 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I sent AMEX a letter requesting information and they responded only by ignoring my information request. AMEX has violated my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I had a forbarence plan set up with Shellpoint Mortgage due to COVID-19. I was able to get off the forbarence plan in XXXX of 2021, at that point Shellpoint offered me an option to do a loan modification. During the loan modification process i was under the assumption that the forbarence plan was still in affect until the modification process was completed so i continued to defer my payment. The modification paperwork needed to be notarized so Shellpoint hired a 3rd party notary and i had nothing but issues with them. Took almost 2 months to finally get a schedule date. Now Shellpoint has reported me 60 days late on my mortgage. Im trying to re-finance my house right now and this negative/inaccurate reporting on Shellpoint 's part is making it impossible to do so. I have filed complaints directly to Shellpoint and also tried to dispute the negative report thru XXXX with zero success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I was the responsible party since this debt was for my son. At time of billing XXXX neglected to add his secondary insurance ( XXXX ) & therefore a balance was generated. They also inaccurately noted his medical record, not reflecting the accurate diagnosis code. This caused his primary insurance ( XXXX XXXX XXXX ) to not pay the entire balance. I contacted XXXX ( the biller ) and requested that they re-submit the claim with the proper diagnosis and to also bill his secondary insurance since they failed to do so the first time. The account was placed in collection status. They are re-reviewing the claim but the negative reporting of this account in collection status is still not resolved. The collection company, Medical Data is saying I can not dispute the account and that they can not remove or update the account until XXXX calls them. I contacted XXXX and they stated that the collection company needs to contact them. So everyone is passing the buck and no one is taking responsibility for updating this account of my credit report. 

The date of service was XXXX. At that time there was no covid processing procedures, and the hospitals did not have test on site. Upon validation of certain symptoms & exclusionary test, patient would be refer off site to a restricted site for testing. At this time, XXXX XXXX only had 3 test for the county. 

I would like to dispute this collection account. Ensure that everyone processes, bills and codes this account correctly. This is negatively impacting my ability to secure financing for my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a small business banking customer. On XX/XX/2021, Capital One transferred {$5300.00} from my interest-bearing business savings account to my non interest-bearing business checking account without my authorization. On XX/XX/2021, I became aware of this and called customer service. I instructed them to reverse the unauthorized transfer and immediately credit my account with the lost interest income. I was told that it was a known software bug related to recurring transfers. As a result I told the representative to also cancel all recurring transfers between my savings and checking accounts. I was told that all recurring transfers had been cancelled and that the lost interest income would be credited to my account. On XX/XX/2021, I was told that my " case '' was denied and that the interest income I lost due to Capital One 's software error would not be paid to me which is in violation of my contract with the bank and is also in violation of U.S. banking laws. On XX/XX/2021, Capital One initiated a transfer of {$3800.00} from my interest-bearing business savings account to my non-interest bearing business checking account without my authorization as all account transfers had been confirmed to be cancelled during my previous call. I called customer service and was again told it was a " known software issue '' with no estimated time to correct. I attempted to cancel all recurring account transfers via the mobile app and website and received a software error " Oops! We hit a snag. '' I told the customer service representative that I wanted to cancel all recurring transfers. Knowing that that would not happen I decided to eventually transfer all funds out of my interest bearing business savings account and close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi, Hope all is well and safe. 
There's a balance transfer charge on my TD bank credit card that I dont recall having initiated- {$130.00} and then a balance transfer fee of {$5.00}. 

I contacted TD bank but they are unable to assist me, stating that the balance transfer is valid. They did not offer me any explanation. They said they investigated and found that the charge is valid. So if they did investigate, they should be able to see who the person and credit card/bank info is. 

Like it would have to be one of the credit card I have with my name and S.S # and current address info, etc. 

They reverted the charge the first time but then the charge came back on my credit card. 

Please assist! At least give me information on the balance transfer info of the person/credit card/S.S # matching mine? Maybe identity theft? 
I did not open any new credit card recently to initiate a balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
select portfolio servicing charge me pre-pay penalty of {$6300.00} for the account number XXXX this account is paid off on XXXX XX/XX/2021 and my NOTE show I do not have any pre-pay penalty. they made the mistake at mixed up the NOTE from another loan with the subject loan. 

I was in contact with Select portfolio servicing by telephone since XX/XX/2021 to go over my loan and the NOTE at least two times a week always answer me a different person and have to go over the same conversation explaining the mistake that they did at charging me pre-pay penalty. I requested to speak with a manager but never had one available. until today XX/XX/2021 don't have any help from them. just told me the file is under review. already passed 69 days since I was asked to help me to resolve this mistake from them. 

for that reason, I am requestioning your help to resolve this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
XX/XX/2021 financed a sectional and bedroom set {$2700.00} total. $ 389 monthly payment agreed upon. 

Ive paid XXXX $ a month since XX/XX/2021 and the total amount due as of XX/XX/2021 is XXXX XXXX I called to report discrepancy and XXXX XXXX refused last name ) stated the most he could do is bring down total to {$1800.00} due that would also need to be paid in 30 days or the original amount financed will take affect. 

American First Finance advertised no credit check on website however there is a credit check and total amount financed is on my credit report. No they do not report monthly payments just the total amount financed is on there. 

Upon research it is also discovered that they are unlicensed to do business in California. 

Over the course of 6 months I have paid {$2000.00} on a {$2600.00} bill yet I still owe {$2100.00} this is highly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
I have received multiple phone calls from direct recovery plus, they leave voicemails to try and sound like theyre lawyers. I have not once received any kind of notification in the mail of what they are even trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/21, I found out that someone filed unemployment benefits in my name. I contacted the state agency. They advised me to visit identitytheft.gov. Following the prompts on that website, I decided to freeze and put fraud alerts on my 3 credit reports. 

When I got to Transunion, I was required to create an account and it said I could view my credit report so I did so. When I viewed it, I saw various " Account Review Inquiries ''. See attached. This listed the inquiry I made that day, XX/XX/21 ( via " Transunion XXXX '' ) as well as other inquiries that seemed plausible ( for example, XXXX, with whom I have an account ). However, it also showed me as having viewed my own credit report at least 3 other times via " Transunion XXXX '' over the last 3 months. This had me concerned someone had managed to get unauthorized access or create a Transunion account in my name. I could not tell if this is another " symptom '' of someone stealing my identity or if this is how aspects of my identity were stolen. 

I called Transunion. The first person took my information and said that she could only see the inquiry on XX/XX/21, not the others. She also indicated that the e-mail address I gave was the only one connected to the account. She said I should talk to " Disputes. '' The person in " Disputes '' said there was little point in disputing an account review inquiry because it didn't affect my credit score. I explained that I didn't want to dispute it per se, but rather needed Transunion to prevent other people from accessing my credit report. She told me I'd have to call " Transunion XXXX '' ( saying it was a separate company from the " Transunion XXXX XXXX' she worked for ) and gave me a different XXXX number. That number in fact routed back to the same Transunion main menu. I got a third person who offered to delete my online account but could not otherwise help.

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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Since XX/XX/2021 I have made multiple calls and visits to Chase Bank regarding my legal name change. Since my name was changed almost 2 years ago their credit journey report has been incorrect. It shows a false negative report, does not reflect an accurate credit score, does not reflect accurate credit accounts, and has caused a denial for a card due to these errors. I have requested a call back from management per their protocols on 9 separate occasions including several times while on the phone with one of their branch managers and have never received a follow up regarding their mistakes. They originally blamed experian yet I conferenced a call with an experian employee who assured my information was all accurate and up to date and Chase was still unable to correct any of the errors on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Team Recovery Inc.
State: OH

Complaint narrative:
Team Recovery continues to call harassing me using obscene and profane language and threatening I owe an alleged debt. I ask how did they received my personal and private information because they do not have my written consent. This alleged debt was discharged and paid for they are violating my consumer rights and pursuant 15 usc 1692e ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Per federal my syates laws, you must affirm and confirm any and all allegations of claims yet still unproven which all three credit bureaus havent been able to do.I requested for them to provide me with all of the4 information they used for their investigation, as required by FCRA 611 ( a ) ( 7 ) and requested that they delete the negative item as original requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: MS

Complaint narrative:
Per federal my syates laws, you must affirm and confirm any and all allegations of claims yet still unproven which all three credit bureaus havent been able to do.I requested for them to provide me with all of the4 information they used for their investigation, as required by FCRA 611 ( a ) ( 7 ) and requested that they delete the negative item as original requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
on XXXX XXXX HELVEY & ASSOCIATES IN Original creditor : XXXX XXXX XXXX had an update on my credit report for $ XXXX.i contacted both companies the same day on recoreded phone call and told them i never received anything about a final bill or balance.both companies said that they had my email and never emailed me a notice or call.XXXX XXXX acknowledged that there was no forwarding address or a new moving address at the time of the closing of the account no past due amount was given.i expressed that i will pay my balance and would have paid my balance if i was informed of the past due amount. XXXX XXXX Rep told me there was no balance given because they would have to read the meter both companies said they that they had no forwarding address on file.HELVEY & ASSOCIATES IN Original creditor looked up the current address which was a different address and never sent anything over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IA

Complaint narrative:
On XX/XX/2021, I called to dispute a debt from my old landlord asking for money to pay for move out fees. I disputed this debt with National Credit Systems Inc, and awaited a reply from them on it. I never received a reply. On XX/XX/2021, I called them to see what was going on and they said my old landlord responded on XX/XX/2021, that I owed 100 % of the debt in question. To my understanding, this is days past the 30 day deadline the company has to investigate a debt and report the findings to me. I believe my rights have been violated through a lack of communication about this debt and the investigative process, as I both never received a notice that the investigation was complete and it was completed past the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: KS

Complaint narrative:
I have a a loan with New Rez. I have set up a auto payment with XXXX XXXXXXXX XXXX. 

1 ) The payment comes out on XXXX of the month 2 ) In month of XX/XX/2021 since XXXX and XXXX were Saturday & Sunday respectively the payment was made by XXXX on XXXX XX/XX/XXXX3 ) NewRez systems did not recognize this payment. The marked XXXX late 4 ) We called them and informed them of the issue when we became aware. They requested documentation what we provided 5 ) The applied the payment in XXXX towards XXXX rent but reported late to the credit bureau. They also increased our principal payments and fines etc.

6 ) We talked to them on several occasions. First a lot of representatives are impolite and would not like to talk, hanging the phone.

7 ) We send a letter from our XXXX after they were not ready to talk 8 ) I called them on XX/XX/XXXX and they said that I should upload all the documents through website since they do not have any other way. I went on the website but was not able to find any place to upload the documents 9 ) They have not responded to my attorney. My attorney recommended that I should contact your esteemed office PRAYER I WORK FOR XXXX XXXX XXXX AND I NEED TO HAVE A VERY GOOD HISTORY FROM EVERY ANGLE TO BE AN EXAMPLARY EMPLOYEE. THIS ISSUE HAS CAUSED A LOT OF AGONY AND FINANCIAL IMPACT ON ME INCLUDING REFINANCE our refinance has been denied because of this reason. NewRez contacted us in XXXX to refinance but we refused. Looks like they are penalizing us for it and are sending weird reports to Consumer protection. We have paid them a lot of extra money and still not been able to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am in the process of purchasing a new home. SunTrust now Truist was the holder of my original loan. Since beginning this process, it has been almost impossible to get in touch with SunTrust now Truist. My new lender has called and faxed with no response and experienced impossible hold times. I was contacted by the buyers lawyer because they could not get through to SunTrust now Truist for the payoff. After being on hold for 3 hours the payoff was finally faxed to the Lawyer. My house closed on Wednesday XX/XX/XXXX, and I am set to close on my new home tomorrow, XX/XX/XXXX. I have been on the phone with SunTrust now Truist since XXXX am and my small request remains unresolved. The final ask of the underwriter is a written confirmation that a forbearance amount was actually included in the payoff and there was nothing else owed on my part. I reached out this morning unsure of whether it was included, if it was not included in the payoff, I was prepared to wire the money to wipe out the remainder. I talked with several people who fed me misinformation to get me off the phone as they were not able to tell if this amount was included in the payoff. I was sent to HUD twice who had no record of a lien being transferred to them. I spoke with SunTrust XXXX XXXX, Home Preservation Specialists, and Loss Mitigation. I was on hold waiting for a manager over 2 hours before walking into the SunTrust Bank in XXXX NC for assistance at XXXX. A very nice lady at the branch called someone that was able to get to the bottom of the issue and misinformation. He found that the Forbearance was still active when the mortgage was paid off on the XXXX and the payoff amount included the remaining {$8400.00} ( forbearance ) in the total. He went on to confirm that no information had been forwarded to HUD. Now all I need is documentation to prove this to my underwriter so that I can close on my home tomorrow. The team that is able to provide this information was contacted and advised that it would take at least 72 hours to receive this info. I asked if this could be escalated to a manager that could assist with generating this document today as I am on an extreme timeline and need help. I remained on the phone until XXXX, when I was told that XXXX XXXX would be calling me in 20 minutes and could help with my request. Unfortunately this call never came. I really need help as I explained to everyone I talked to today. I am set to close on my home at XXXX tomorrow and only need this one document for the lender to release the funding. I will return to the bank first thing in the am hoping they will be able to assist.

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 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank XXXX XXXX XXXX is continually contacting me with letters for debts not owed. I have notified this company that previously I was a victim of identity theft.

Company response to consumer: Closed with non-monetary relief