vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-06 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: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
I have contacted community bank regarding the validation of this debt and the accounting in question. I reached out to the collection manager, XXXX XXXX and I have not got a response, I have requested an original consumer contract not a photo copy and they failed to provide an original consumer contract with my signature and another signature by community bank they just provided me with photo copys, they stated that XXXX and XXXX are the ones handling the account I called and spoke to the president at the headquarters office located in XXXX New York & I was told to stop calling and stop mailing the about the account and they stated they have no business with me. By federal law a contract is binding with 2 wet ink signatures. I do believe the account is fraud because I did not give authorization without my permission to withdrawal from my account of treasury. They assured me they are not longer handling the account but they are still reporting to my credit account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: Global Lending Services LLC
State: GA

Complaint narrative:
Pulled my credit without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
As background, I authorized a fraud alert on Equifax, XXXX and XXXX on XX/XX/2019. On XX/XX/2019, I received notice that I had a hard inquiry against my Equifax report from XXXX XXXX, initiated on XX/XX/2019. I did not authorize this credit application. 

Upon contacting XXXX card service on XX/XX/2019 via phone, the department 1 ) did not demonstrate any evidence that they took measures to verify the identify of the individual trying to obtain credit under my name ; and 2 ) refused to resolve the matter. This is particularly frustrating, as I contacted the company immediately, prior to any issuance of a credit line. With XXXX ' lack of action, the fraudster could act on a credit line in my name before I can resolve the issue. 

I contacted Equifax on XX/XX/2019, who took additional measures to verify my identity, and then began its internal dispute process, which is ongoing. 

This complaint is against XXXX, who ignored an existing fraud alert when it served the purpose of issuing credit and selling a product, but refused to aid a consumer when an identify conflict arose. This is unacceptable behavior in any context. Given that I am currently in the process of purchasing a home, and so can not freeze my credit to keep me safe, this is even more impactful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Global Lending Services LLC
State: PA

Complaint narrative:
I have been in this auto loans deal since around XX/XX/XXXX ( estimated ) I was to give a XXXX  down payment deal completed. I signed the paperwork agreed with the term received my first date to make a payment nothing misleading from the dealership. Im calling the bank to make a payment the bank tells me there is nothing on file. I call the dealership the bank then tells them they need more of my information or the dealership will not receive payment. I spoken to the was again told to call the dealership at that point I was told they had to resubmit it again to the and the need my same information again in which I leave my Job early to resubmit the documents a second time and sign another contract with another payment date. I called the bank on XX/XX/19 to confirm my information and was told that I should be receiving my welcome letter in the mail and I was all set, So now again we are in XX/XX/XXXXafter I spoken to the bank. they ( the bank ) telling the dealership that I have to submit more and more and more of my information or they will not pay for the car and I would have to bring the car back. I seems every month or week that are asking for more more information relating to the same documents. Its never ending and on going so this situation has been lasting since XX/XX/2019 to present. Now they are telling even thought they have my paystub proof of my job depositing my paycheck into my bank account even though they have my paystubs, ssi award letter now they also asking for that proof of ssi deposit again. 
I am a single mother whom has severely XXXX  children as well as an elderly sickly mother who Im a XXXX XXXX  also this is causing stress on our family ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was offered a discount at Home Depot if I opened a credit card with citybank. They opened one but I  never got it. 
I went to try to pay at the store. And they said I didnt have any balance. So didnt worry. 
Now I received a piece of mail stating that I owe more than double the amount. 
So as I see now I was charged initially for a product that costed {$20.00} Yet the fees charged are {$22.00}. 

I was about to pay this but I think it is very deceptive that they are charging so high interest. I wasnt aware of that and I didnt receive the previos bill which would have reminded me I had to pay.

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 2019-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2019, I received a XXXX Payment of {$350.00} from XXXX. Funds were instant and all was well until XX/XX/2019. There was an unrecognized charge of {$350.00} labeled as Misc Debit. I assumed this was a XXXX payment reversal so I contacted USAA to fill out a research form to provide me more information it as there was no information on the charge. 

I let time pass and I accepted my loss and had moved on, however recently I wanted to understand what the charge was for so I contacted USAA on XX/XX/2019 and started a call with them at XXXX XXXX  EST. The rep was very kind and assisted me in getting senior specialists to assist in determining what the cause of the charge was. They spoke with their executive big boys/gals and they stated that they were not able to determine the cause of the payment debit other than related to a transfer. They stated if it had been a XXXX  reversal it would be stated as XXXX reversal. Informed that in order to look into it further I would have to get a court-order subpoena to have execs provide internal information as to why my account was debited {$350.00}. 

So here 's the bottom line, USAA admitted that it was not a XXXX payment reversal. Stated that there were no disputes received in regards to the XXXX payment of {$350.00} and that they're unable to provide any further information as to why my account was debited {$350.00}. I do not wish to classify this as an unauthorized charge, but I would allege that it is until USAA is willing to provide accurate information. I trusted USAA to protect my assets and at the drop of a hat {$350.00} poofs and 0 explanation can be given. 

USAA is a great company overall when it comes to my banking needs and would not choose another bank, but the future looks grim if they lose track of their customer 's finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am not familiar with the following inquiry XXXX XXXX XXXXXXXX Inquiry from XX/XX/2018. Please investigate to make sure there is no fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Each time a monthly payment is made on the account, the balance goes down a little. More money is on interest than on car. At the end of loan I was told that I will have to create a new loan because I show a balance still. The original agreement says 6 years and I get my title now their about XXXX $ still at the end of lease that the company is saying I have to pay. Loan is to be paid off XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I tried to use my Bank of America MasterCard at the XXXX XXXX XXXX in XXXX, PA to purchase a {$2000.00} prescription and BOA rejected the transaction when I have approximately {$20000.00} of available credit on that card, I have used it there before, and my account has been always maintained in accordance with the terms of the card. I have 3 % cash back rewards on my MasterCard and won't get those points. I had to use my Bank of America Visa card and will only get back 1 % in cash back rewards. I spoke with Bank of America and they refused to help me with this matter. All I want are my additional reward points of 2 % or {$40.00} that they provide. I can't believe that BOA does not have the technological capability to correct this wrong. It is bad enough that I have to take a medicine that costs {$700.00} a month to stay alive and healthy, but it is embarrassing and creates anxiety to have my card rejected when I am already in a tight spot.

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 2019-07-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I do not recognize the following inquiry XXXXXXXX XXXX XXXXXXXX Inquiry from XX/XX/2017. Please investigate to make absolutely sure there is no fraudulent activity on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citi can not provide me my bill balance or due date when I inquire. On XX/XX/2019 I tried logging in to Citi 's website at https : //online.citi.com to view my card balance and due date. The website would not allow me to login and did not indicate my username or password were incorrect, but simply displayed a message to call customer service. I called customer service and was told they were having system upgrades and asked me to call back in 24 hours. I asked if I should be able to access the website and was told the same answer. No help. How am I to know how much to pay if I can not see my bill? How am I to know when to pay if I can not access customer service or the website, and do not receive paper statements. One system should not prevent the other from being available.

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 2019-07-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
We went through bankruptcy ( Chapter XXXX, we repaid all our debts ) and XXXX sold our mortgage to XXXX, who we worked with for 7 years and LOVED their customer service -- very helpful. At the end of our bankruptcy we were even given an amortization that we were able to apply to our principle. 

They were recently sold and our mortgage was sold to Shellpoint who now says we are behind a payment even though we have a credit balance? My husband went back through our statements, and verified every monthly payment was made since they notified us that they were the new loan holder. 

He reached out to Seterus and they verified that the last payment we made to them was transferred to Shellpoint. Every time we try to explain this to Shellpoint they keep insisting that we are behind 1 payment, even though they are unable to tell us when we missed a payment. 

During one conversation with Shellpoint we mentioned our bankruptcy and they immediately transferred us to their Bankruptcy Department and the lady we talked to verified we were not behind and made some notes on our account. She also stated that we had a credit balance bc we had been overpaying. 

Despite this, we continue to be harassed on a daily basis by their robocall department that insists we are behind a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I applied for a recent card in the month of XXXX. I was denied which lead me to have the creditor that denied me credit to ask for credit report to be sent out. I see that they're are XXXX collections. XXXX collection for I did owe, but was paid to XXXX years ago. I never had to XXXX other. The only XXXX I ever had was with XXXX XXXX. These are the only negtive marks on my XXXX XXXX. I pay all my bills and these negative marks are hendering my " good record ''. Please, look further into this matter to assit me in resolving this matter. 

Thanks In Advance

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 2019-07-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
Atlas Credit Company opened a fraudulent account in my name after an individual stole and used my personal information. Atlas allowed this perpetrator to open an account with a printed paper ID and obviously forged supplemental documentation. The account was opened on or around XX/XX/2019. After identifying the credit inquiry and subsequent account opening Atlas was contacted and informed of the fraud. They were also provided a copy of the police report opened with XXXX Police with the accompanying Report # XXXX and the direct contact information of the Detective assigned to the case. After Atlas was notified of the fraud they confirmed they would flag the account and that my personal credit would not be affected. As of today they have not taken any action on this fraudulent activity and began reporting this fraudulent account as delinquent causing my credit score to drop from XXXX to XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have never seen this inquiry before XXXX XXXX XXXX  XXXX , XXXX- Inquiry from XX/XX/2018. Please investigate to insure there is no fraudulent activity on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
i have no clue about the following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2018. Please investigate please. I don't want fraudulent activity on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
1. I state that I am the Defendant in this matter and contest the claims Of Plaintiffs assertions before this Court in the above-entitled cause. 
2. I strongly contend that the Plaintiffs Garnishment is invalid based on the following : A. I state that Plaintiffs did not properly serve me and that I was not aware of their summons and complaints dating back to XX/XX/2017. I was never served and did not RECEIVE ANY SUMMONS AND COMPLAINT AT THE address documents were alleged to have been served PURSUANT TO XXXX, Georgia Codes and Statutes. 


B. I state that this Garnishment has caused a severe and undue financial hardship upon me and my family. 

C. I state that there is even a jurisdiction question in this matter since it was originally filed in XXXX County. 

3. THEREFORE, I move this Court for Reconsideration and Dismissal of Affidavit of Garnishment. 

Respectfully submitted, /s/_______________________ XXXX XXXX, Pro se. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX [ L.S. ] I am contesting this matter on the grounds that the process of service was not served properly and the the amount shown on the complaint is NOT correct as to what it alleges that I owe. 
I state that I am suffering a severe hardship as a result of Cooling & Winters filing a garnishment against me in court. I have not been able to pay any bills such as my : mortgage notes, food, shelter and clothing for family, gas expense to and from work, and other financial obligations for livelihood!

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 2019-07-06 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Over the last couple of months Ive been disputing this student loan with TransUnion and XXXX. I cant understand how I could be current on XX/XX/2015 but 90 days last the next month. I tried and tried to take care of this situation with transunion and XXXX but they keep validating this inaccurate reporting.

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 2019-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
on XX/XX/2019 i tried to deposit a check to my Ally Bank checking account. The check bounced due to no fault of mine. The check i was depositing came via an online payment check sent by XXXX XXXX XXXX   to me. I was simply depositing it to my Ally Bank account. XXXX made a mistake and advised Ally Bank that the corresponding account had been closed. XXXX admitted the error and offered to pay the fee Ally charged me for the bounced check. The problem i am writing about is that Ally closed my account due to this. The issue with the deposit was not my fault but Ally did not care. They vindictively held a simple mistake against me. I tried to reach their management for a response and they refused to speak with me. This is vindictive and terrible customer service and very discriminatory.

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 2019-07-06 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: MN

Complaint narrative:
On XX/XX/2019 the Equifax website and fraud agent would not allow me file a fraud alert or credit freeze until I purchased an account. The first option was an auto-pay of ( I think ) $ XXXX. When I said no ( because XXXX and XXXX had done it free as legally required ) after 20 minutes of hard sell, she offered a {$10.00} one time 30 day account option ( receipt below ). I was desperate to stop ongoing identity fraud activity so I agreed.

Company response to consumer: Closed with explanation