vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
Lost job XX/XX/XXXX, behind on mortgage, mortgage refused to work it out. Hired lawyer, he worked with bank lawyer. XX/XX/XXXX I signed the property back to the bank. XX/XX/XXXX judge signed off on it. Told I owed Nothing per the agreement. To date mortgage company reporting to credit bureaus. Credit further damaged from inaccurate reporting. I no longer own the property. Now the town is trying to collect monies the mortgage company failed to pay. They also failed to change the land records.

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 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
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 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC

Complaint narrative:
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 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a XXXX XXXX XXXX XXXX XXXX without a personal guarantee. Due to covid-19, I have been unable to pay the bill. We are a XXXX XXXX XXXX XXXX XXXX with 98 reduction in sales since XX/XX/2020. The XXXX XXXX is reporting late to my personal credit report, resulting in my credit report dropping 80 points. My card has never been late prior and the fact that i can not pay is not my fault. It is completely due to the cessation of XXXX XXXX and suspension of all XXXX XXXX XXXX. They should not be reporting this XXXX  account to my personal account and it should be removed.

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 2021-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
XX/XX/2018 I XXXX XXXX entered into a consumer credit Transaction with GM FINANCIAL. Money was taken from me as a down payment in a consumer credit transaction in which a finance charge was involved. Pursuant to 15 USC 1605 The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction. GM FINANCIAL also didnt include my insurance in the finance charge which is supposed to be included. These are all violations of my federally protected consumers rights. Pursuant to 15 USC 1635 GM FINANCIAL did not include my right to rescission which theyre obligated to do since a security interest was given by me, nor did they inform me that I had 30 days to dispute the validity of the alleged debt pursuant to 15 USC 1692g ( 3 ). More violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
In XX/XX/2020 Suntrust closed my account. On calling them, they admitted that they had closed the account by mistake, and promptly reopened the account, and established the same balance. 

However, online banking was not re-established. I have tried countless times on the call center to have online access re-established, the last time today, speaking to a Ms XXXX. She, and all previous agents, claim that they have insufficient information to be able to create online access. 

I appreciate that the bank must establish my identity when calling, and I am prepared to assist with this process, whatever means necessary. However due to COVID travel restrictions, I am unable to travel to a Suntrust branch. I reside in XXXX XXXX, at the address which the bank has on record. 

All communication regarding this matter was on the telephone, Suntrust does not offer an email helpline. Therefore, I have no supporting documentation to attach.

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Inquiries were unauthorized by me. The contract or lease agreement was never signed or authorized by me. I had a security freeze placed on my account. I am unsure as to why JPMCB was able to pull my credit. The company XXXX XXXX has sent a cancellation request for an unauthorized loan/agreement for a car or vehicle. 

I tried working with both JPMCB and XXXX  to remove these unauthorized inquiries which has cause my credit score to decrease from XXXX to XXXX. My next action is to follow through with legal action if these inquiries are not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
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 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
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 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
A very professional Collection Notice was sent to me regarding a valid home insurance plan I have for my heating system. Once I verified with my insurance company that my account is in good standings, they also told me that they do not work with collection agencies, even if my account was overdue with payments. I then called the phone number for the collection agency directly to inquire. Once I explained that I verified my account was in good standings, they simply said " oh ok ... we'll delete this notice and please ignore ''. This sounded very fishy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are 7 unauthorized and unverified inquiries that were posted to my Transunion credit report on XX/XX/2020. I find these particular inquiries to be especially heinous, given that I was not present, nor had any knowledge of this act occurring. These fraudulent inquiries are damaging my creditworthiness in the eyes of lenders. Transunion has yet to provide proof of verification for these inquiries. I have made constant attempts to rectify the situation with the original creditors and Transunion to no avail.

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 2021-01-27 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a corporate small business XXXX XXXX without a personal guarantee. Due to covid-19, I have been unable to pay the bill. We are a mom and pop travel agency with 98 reduction in sales since XX/XX/2020. The business card is reporting late to my personal credit report, resulting in my credit report dropping 80 points. My card has never been late prior and the fact that i can not pay is not my fault. It is completely due to the cessation of leisure travel and suspension of all cruises and tours. They should not be reporting this business account to my personal account and it should be removed.

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 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: IL

Complaint narrative:
We paid what was owed on account but there was an amount charged of XXXX that I never signed for and it was a fraud from a jewelry story from out of the country as soon as it came on my account I contacted XXXX and they would not do anything and I found out they are not in the United States. I need some help and really advise no one to obtain the XXXX CREDIT CARD please help with this situation as I have no problem with numerous credit cards I have and want to fix this Asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: NC

Complaint narrative:
I sent a debt Validation letter on XXXX certified mail, in which the company National Credit Systems signed for it. They later sent me a copied billing of alleged debt, they did not send me a transfer of debt contract which is required by the state on North Carolina and they also did not send me a valid active surety bond in the amount of XXXX which is required in the state of North Carolina in order to be a debt collector. Instead they sent me the same billing and completely disregarded my letter. I followed up with a 2nd letter with a response that they did not show proof to be a legal debt collector in the state of North Carolina per the requirements set forth by the state of North Carolina. I supplied them a copy of the North Carolina requirements to be a legal debt collector. They did not respond to my 2nd letter.It has been more than 45 days without any response from National Credit Systems. Instead they sent same letters they first sent to me, now to my fiancee. I am now responding with the same exact letters I sent them, for her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I got charged XXXX $ / month monthly fee from bank of america just because my employer set up direct deposit as a direct transfer rather than some way employers set up direct deposit transfers. It's completely out of my control how my employer sets up the transfers, and from my end I met the conditions required for {$250.00} or more per month. actually XXXX per month, and still i got charged XXXX $ /month fee. When I called them for a refund and to verify everythig, they said the funds are good but since it was a direct transfer from my employer, they cant refund the XXXX $ fee, so I had to close the account, I still think I was cheated and want to formally file a complaint against how I was wronged. I do desrve a refund and this will be the right thing to do on their behalf else no one else is ever gon na trust banking institutions, especially after being a long time customer for 12 years, if this is the way they treat their customers, they are just going downhill and don't appreciate customer loyalty at all.

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Inquiries were unauthorized by me. The contract or lease agreement was never signed or authorized by me. I had a security freeze placed on my account. I am unsure as to why XXXX was able to pull my credit. The company XXXX XXXX has sent a cancellation request for an unauthorized loan/agreement for a car or vehicle. 

I tried working with both XXXX and Equifax to remove these unauthorized inquiries which has cause my credit score to decrease from XXXX to XXXX. My next action is to follow through with legal action if these inquiries are not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I received a {$50.00} Vanilla Cisa card as a XXXX gift but when I tried to use it at four different retailers and once online it was declined. I called Vanilla customer service XX/XX/XXXX to inquire. I wa told oh a lot of people complain about that. I balked and they said theyd send me a refund check to arrive in five to seven days. 
After it didnt arrive after 2 weeks I called again. I was told the refund is bring processed and I would get my refund in 7-10 days .never received. I called XX/XX/XXXX again and was told that the refund is processed and I would get the refund in 5 to 7 days. 
Upon investigating online and on social media I found dozens of complaints from consume, fed about the same issue : Vanilla gift card didnt work and they requested refund only to be given the run around and the refund never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I refinanced my mortgage for a lower interest rate. I paid off the existing loan. 
On the old loan under ''PAYMENT HISTORY DETAILS '' The following is listed Transaction Date : XX/XX/2021 Transaction Amount. {$530.00} Transaction Description. FORECLOSUREPARTIALREPAYPRINBAL ''THE TRANSACTION WAS APPLIED AS FOLLOWS : Principal : {$00.00} Interest : {$530.00} Escrow : {$0.00} Fees/Late charges : {$0.00} Other Fees : {$0.00} Miscellaneous. {$0.00} Unapplied Funds : {$0.00} On XXXX I spoke to a rep at LoanCare and he did not know what or why the {$530.00} was there for. I asked to speak to a supervisor and she told me ''I don't know why it has a description of ''ForeclosurePartialRepayPrinBal but it is simply interest when you paid off the loan. I disagree I have the payoff summary and with the payoff the interest was already added in. Loancare is listing this transaction as a separate entry. 
I am offended that they have associated the word ''foreclosure '' with my name and account. Now they just want to call it ''interest ''. I am calling it an intentional mistake and I want a refund of {$530.00}. They can not just describe it as ''foreclosure '' and when I challenge it say it's ''just simply interest ' and I'm supposed to accept it. 
To top it off I now with the new loan have acquired LoanCare again as the servicing company. 
Why would they make 2 separate amounts of interest on a payoff? I owe this amount, the interest is this and total it. This {$530.00} is in addition to the payoff amount with interest. The {$530.00} is a separate entry.

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