vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
My home loan originated with XXXX XXXX XXXX in XXXX  of XXXX. I set up an auto draft payment for the XXXX of every month and never missed a payment or had a late payment. In XX/XX/XXXX my mortgage was sold to Citizens One without any communication to me or my husband that this had taken place. Being that our mortgage payment was drafted from a separate account and we hadn't received any communication via mail, email, phone call, etc. we believed our mortgage had been getting paid. It wasn't until XX/XX/XXXX that I was made aware that not only was my house at risk of being foreclosed but my mortgage lender had changed and they hadn't received any payments since the change. I paid any passed due payments right then to get my account current and informed them that I was not made aware of the change of lenders. Their response was basically an implication that it was not their problem. Moving forward I had no issues with paying on time until XX/XX/XXXX I changed the bank account my ACH payment was drafted from. Despite changing the account within the time frame stated by the company and receiving a confirmation email that the account was successfully changed Citizens One still drafted from the old account, which had been closed, and charged me a NSF fee. I spoke with a representative on the phone, whose tone was extremely rude, and she stated that it was my error for changing my banking information through their app, that they pushed on me to utilize, and that I had to wait another 24 hours to update the information via their website. Well 24 hours later I update the information and get another confirmation email that my banking information has changed. On the XX/XX/XXXX I checked my account online to ensure that my ACH payment drafted correctly. My account showed past due and that there was no payment made, so I quickly make the payment as to avoid any late fees. The next morning when I check my account online they have now drafted 2 payments of {$1300.00} back to back, 1 being the ACH that was scheduled for XX/XX/XXXX & 1 being my manual payment. My bank account did not have enough funds to cover two mortgage payments at once so instead of reversing one payment, both payments were reversed but none of the funds that were drafted have been added back into my bank account. I can not get anyone on the phone, and the messaging center representative is apparently not understanding what my issues are. I have no idea what to pay, when to pay, how to pay, and to top it all off they have reported to the credit bureau the late payments from when the lenders changed so my credit score has dropped significantly. I am very concerned that they will continue to be detractors on my credit report, my bank account, and my quality of life if there is no certainty that when I am making payments towards my mortgage the funds are being applied accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I did not get any paperwork prior to XX/XX/XXXX when TSI placed this account on my CRAs. The correct paperwork was supposedly sent in XXXX, I never received that either. Regardless, if I had 30 days to validate the debt from XXXX, it should not have been placed on my CRA in XXXX. This is illegal and I want this collection removed immediately! Customer Service dd not apologize o anything, they were just pressuring me to make a payment. I want this as a pay to delete not updated!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I have a debit card with Alliant Credit Union. I do not use the card often, but when I do ( say, every 4-8 months ) it is usually for larger amounts ( XXXX  XXXX dollars ). Each and every time I try to use my card it is flagged as fraud and results in a long conversation with Alliant CU where the operator has to ask me a series of questions, then unblock my card, and then I try again. Often this is unsuccessful and has to be " unblocked '' again. Finally, this past holiday ( XXXX 's XXXX ) I attempted an ATM transaction and my card was declined at two ATMs. Alliant never called me, but they called my wife at her work. I tried calling Alliant directly, but I couldn't get a hold of anyone since they were closed for the holiday.

I called Alliant a day or two later and the root of the issue seems to not be fraud alerts but the root of the issue is explained that Alliant 's debit card system requires ATMs to use the chip on my card for the transaction. However, Alliant is unable to tell me which ATMs will use my chip and which use the magstripe. In fact, even if I go to " in-network '' and " fee-free '' ATMs that Alliant themselves advertise, the card still. does. not. work.

In the end, Alliant 's claim on their website of " 24/7 Acce
ss '' using ATMs is patently false ( https : //www.alliantcreditunion.org/bank/high-yield-savings ). I am willing to consider driving to an ATM that meets Alliant 's " chip-reading '' needs, but they can not tell me any.

So therefore, I am in the process of transferring my assets outside of Alliant. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Tilt Finance, Inc.
State: GA

Complaint narrative:
On XX/XX/2020, XXXX bank close my account with informing me and right after I fail a compliant against with the XXXX XXXX XXXX ( XXXX  ). Then I asked the representatives via as to why the bank closed my and she told me could not disclose. On XX/XX/XXXX, I did file a complaint against them because they locked my account because I traveled outside the US and used my card at a local ATM to withdraw cash. For a total of six days my account remained locked without me knowing why the actual reasons why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
On Friday, XX/XX/2020, I received email and text messages from Conn 's of an ACH that was declined. I always make monthly payments at Conn 's and have not authorized ACH. In fact, Conn 's deceived me that once I paid off one account in full early XX/XX/2020, I could add two items to one existing account. However, once paid off in full, Conn 's gave me serious runaround about adding two a/c and heating window units. They requested additional proof of income and I complied. Next, they wanted more proof of income and I provided. The runaround was never ending. I eventually obtained the two said items elsewhere for much less and what I actually needed. Now, Conn 's is hitting me for some ACH. I phoned Conn 's three times today at different phone numbers of customer care, collections and back to customer care. Long holding periods and one time I was transferred again to hold for a long period. The first phone number rang but followed by busy signal. That is why I began contacting other numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Myself and my husband refinanced our current mortgage with XXXX. We decided to stay with XXXX as the process would be easier and it was only to reduce the interest rate. We signed our final papers with a notary on XX/XX/XXXX. The loan was funded on XX/XX/XXXX. XXXX XXXX acknowledges this. But they reported our old loan # XXXX as 30 days late. We were told by XXXX XXXX to not pay XXXX because we would close before the end of the month to which we did. Our new loan # XXXX was effective XX/XX/XXXX with our first payment due XX/XX/XXXX. Not only did XXXX XXXX  report us late, but our old loan still shows open. Our credit shows that we have {$780000.00} in mortgages. They have never closed the old loan out. These 2 errors from XXXX XXXX has severely affected us. As a result of this, 2 credit cards we have have reduced our limits because of 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 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: VA

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have checking and savings account at capital one bank also XXXX XXXX. My account been talleeed wont their are many fraudulent activities been taken place on it. Money been stolen on numerous occasions. I called in all I feed ice was lies, deflection, get transferred from person to person someone got on it and said they were the supervisor And laughing said they will fix it right away and change my accounts insrwa it got worse they close my account and said they no longer wanted to do business with me and it been since XXXX and they refuse to send me my money thats left in my account after they have stolen portions of it every time I calm its a game. I went I XXXX to open an account and it got hacked and ended in a XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: VA

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MO

Complaint narrative:
The letter was dated, XX/XX/XXXX from XXXX XXXX regarding " Notice of Debt ''. In the letter, the " Date of Service '' indicated XX/XX/XXXX and a " Balance Due '' {$2100.00}. Per the letter, the Original Creditor was XXXX XXXX XXXX XXXX, and Current Creditor is XXXX XXXX XXXX. This notice of debt is for a patient name, XXXX XXXX. I AM NOT XXXX XXXX, nor have I ever used that name or alias at any given time. It is also important to note that I use the Department of Veterans Affairs medical facility ( ies ) for any medical-related needs. 

In the past, I have also filed an Identity Theft Report with FTC. The ID Theft Report that I filed was also due to fraudulent medical services and charges in which other collection agencies attempted to file under my credit report/file ; even after I made verification with those collection agencies that the information they have on file such as DOB did not match with my DOB. I have also filed complaints with CFPB regarding those fraudulent services/charges/collections. 

If the creditors may require further proof, I have a copy of the ID Theft Report that I've filed. I can also provide a copy of the letter from the Department of Homeland Security ( DHS ) informing me that my personal information had been impacted due to a privacy incident involving a database used by DHS/OIG.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WF PLL has done a hard inquiry on my credit file. I don't know who these people are and I have not signed nor accepted for them to do an inquiry on my credit file ( s )

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 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My and my spouse are both independent contractors. In XXXX, we both qualified for the SBA EIDL disaster assistance loans. We signed our paperwork with the SBA and our funds were deposited. Chase Bank froze our accounts. My wife spent hours with the bank manager providing Independent Contractors agreements, My EIN, Schedule C 's of our taxes, everything we could show that we were independent contractors. The branch manager sent her home saying our accounts were being closed and that a check closing out our account should be sent to us in three days. Through the rest of XXXX and XXXX, we had weekly exchanges with Chase bank regarding additional information they requested. On XX/XX/XXXX, we faxed over EIN 's that were requested in order to unlock our account. We have now been told we need to independently pay a XXXX to prove that we are indeed independent contractors. We have our contracts, our pay stubs, our taxes, and EIN 's, and Chase is refusing to unfreeze our money. This is money that is a loan to us, so whether Chase returns or not, we still have to make payments on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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