vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
We applied for a forbearance with our mortgage lender due to the Covid pandemic and the complete shutdown of our business from XX/XX/2020 onward. The company ignored our request for many weeks until we filed a complaint with your office after which they finally granted us a forbearance. Here is the catch. They now say at the end of the forbearance we owe them all four payments at once or we are in default. That is insane. It is not a forbearance at all and it does absolutely nothing to help the situation. They are basically postponing 3 payments for the period then making them due immediately following at risk of foreclosure. 

A forbearance is supposed to mean a postponement in payments which are then due at the end of the loan so the three month grace period allows the borrower the time to recover from the massive losses we have incurred. This is unethical and probably illegal. We need you to help us end this ridiculous attempt to get us out of our house please. 

The forbearance period began in XXXX and covers the XXXX, XXXX and XXXX payments - which we are now told are all due along with the XXXX payment on XXXX XXXX. 

thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/19 my domestic partner and I opened a joint account for the amount of {$1000.00} at Suntrust Bank branch in Florida located at XXXX XXXX XXXX XXXX XXXX Fl XXXX. 

My partner already moved to XXXX and I am in the process of relocating. On XX/XX/19 the account was closed by the bank and decided to withhold the XXXX after the check was cashed by XXXX. 

The officer at Suntrust refused to tell us the reason why the account was closed and refused to return our money. We spoke with Officer XXXX XXXX XXXX XXXX ) XXXX at Suntrust Executive Services in XXXX. 
She referred us to their legal department telling us the money was locked in the bank 's safety box. She also told us to contact and inquire about my credit report with the credit bureaus. We did and found nothing wrong with my credit which the officer al the local Suntrust bank suggested, was the issue. 

I contacted the legal office of the XXXX XXXX XXXX of which I am a member. They wrote several letters to the bank. As of now the letters have been unanswered.

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 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Timeline : 1. I deposited a personal check to my HSBC checking account. 
2. And their security department suspend my account. However no one from HSBC contact me via email or phone 3. I don't aware of the issue until I can not access the account either from web or mobile. 
4. I called the customer service department on XX/XX/XXXX. They gave me a phone number of security department without addressing my issue 5. I called the security department on XX/XX/XXXX. The representative ask me to wait to 5-8 business day without giving me a resolution. During these time i can not access my account balance or do other action. 
6. I called the customer service department on XX/XX/XXXX, and issue still doesn't get fixed. 
7. I want to close the account, and the representative refuse to do that. 

Complaints : 1. During these time, No one called or emailed me explaining why my account was suspended. And how can I fix the issue. 
2. They set the working hour of security department to is 8-5 pm, ET, which is very inconvenient for me to contact them since I am in PT time zone. I have successfully contacted the security department once. However they does not fix my issue just asking me to wait. 
3. I used this account to pay my other credit card and rent. Since they refuse to tell me the balance of my account, I might be required to pay over-draft fee or late payment fee from various credit cards companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a credit card with JPMCB CARD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB CARD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and JPMCB CARD with no successful resolution. XXXX XXXX and XXXX   reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Was closing on a home with Wells Fargo, witch took them 1 month and 3 weeks, 4 days before I closed got a phone call saying the loan failed and Id have to find another lender, I went to XXXX XXXX thy had me in the home in 3 weeks, just heard from Wells Fargo for the 3rd time, they only want to give me half my money back the loan did not go thru to no fault of my own, I will never do business with them again, I just want my money back. approximately {$700.00} dollars. My contact person with wells fargo is XXXX XXXX XXXX XXXX XXXX ex XXXX XXXX and trust me I am screaming at the TOP OF MY LUNGS to anyone who will listen to what a horrible experience I had withwells fargo. i have some documentation but will have to mail them.

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 2020-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have reached out to bridgecrest 3 times about hardship due to the global pandemic. They emailed me telling me they will not help me and continue to harass me ( today they called me 17 times back to back ). 

At this point I am feeling threatened and scared to answer my own phone. I have told them my situation via phone and email. There is no need to call me almost 20 times a day ( from 7 different numbers ). We are in a global pandemic, I dont need this additional stress!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this due to non-compliance with XXXX, Experian, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This number has been calling me no less than 7-10 times PER DAY for WEEKS on end, including early mornings, weekends, and national holidays!! From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it called my personal cell phone OVER 25 TIMES, starting at XXXX and continuing well into the evening. 

When it connects to my voicemail, the message left is always blank air. Usually, they dont even leave a message. This incoming number displays as XXXX XXXX ( or SPAM RISK, depending on which of my app filters it ) on my caller ID logs and on my apps that filter out SPAM and Robocalls. This number is one for Synchrony Bank and is used for collecting past due payments for PayPal Credit. 

I have a PayPal credit account, but my account is active and NOT PAST DUE!!! Ive spoken to PayPal credit and Synchrony Bank about this erroneous, DAILY HARASSMENT, and even after allegedly stopping the calls on their end and deleting my phone number from my account, I AM STILL RECEIVING DAILY CALLS!!!! 

This number needs reported to the FTC by EVERYONE who is being harassed by them ; people need to do so immediately. This constant calling is well-past harassment, is illegal, and they should be served with a class action lawsuit.

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 2020-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a credit card with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX  with no successful resolution. XXXXXXXX XXXX, and TransUnion reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.

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 2020-05-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a credit card with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX   reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: CA

Complaint narrative:
I have a credit card with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX   reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.

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 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Received a letter on XX/XX/2020 being charged {$88.00} for supposedly paying mortgage late. in my payment history I have always paid my mortgage before the XXXX of every month. This month I paid on XX/XX/XXXX a Thursday. My bank shows it cleared on Monday the XXXX but this " Mortgage Payment Reminder Notice '' was sent out on a Sunday dated XX/XX/2020. I know my banks don't do business on Sundays and I definitely know Specialized Loan Servicing doesn't either. I believe their is a new predatory tactic starting up for homeowners who are paying their mortgage. 

I have had to deal in the past with forced placed home owners insurance and it was a complete nightmare to correct and we never quite recouped from that experience. I cringe in fear whenever I get a letter from SLS. Its never good news. I have attached the letter we received and hope you can assist us and maybe be alerted of this new way of adding homeowners to an automated system that makes them look delinquent on their mortgage. 

I tried to call SLS on the XXXX and you can't speak with anyone nor hold for as long as you can because it only offers a call back option. 

what about people who are working and can't have their phone on them? Its just horrible service and the system is obviously set up for you to give up.

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 2020-05-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING BANCORP
State: NY

Complaint narrative:
I signed on for automatic payments of my mortgage from my bank account, a practice active for many months. 
Then 3 weeks ago my XXXX account was the target of fraud. On the advise of XXXX, we ended that account and created a new one. I immediately notified Sterling National and updated my account info on their website. 
I was told the update was done. Today I received a letter of delinquency from Sterling and was presented with two choices after waiting on the phone for 45 mins ; either use XXXX XXXX and incur more fees, or have my credit score hurt by a non payment in the era of corona virus. 
I was told the bank had decided an update in payment info would take 1-2 months and I had no choice in the matter no matter what i did and when. 
I find that to be an outrageous abuse of my rights. What would you think in my place?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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 — Problem with personal statement of dispute
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I applied for a credit card with military star exchange in XXXX and XXXX of XXXX. 
I was declined. I was surprised and devastated because I have been working on raising my credit score for the past 3 years. 

I have finally got a higher score and I can say that I have credit cards that have over 5000 limits. I purchased my brand new 5 bedroom home last year. 

I called the credit card customer service while I was at the XXXX XXXX XXXX military exchange today. 
The customer service agent told me that I was declined for the credit card because I had a card in XXXX and the account went to collections but was later paid in full by me. Then she also said that I had an account in XXXX that went to bankruptcy and was discharged.in XXXX. 

I am a retired military veteran. I am also totally XXXX. I have a hard time accepting that I am being penalized for going through hard times. 

As a veteran we go through things that civilians would not believe. Financially, physically, personally, emotionally. 

I am at a loss for words that a civilian that is working for soldiers would made the decision to ban me for life from writing checks on base and deny me a military star card forever? 

We love our troops. We are all in this together? Hogwash!

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 2020-05-26 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XXXX : Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646.  Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you ( XXXX XXXX XXXX XXXX and COLUMBUS METROPOLITAN HOUSING AUTHORITY that gave you the right to enforce a claim upon my person for this debt.

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 2020-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a credit card with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX XXXX, and TransUnion reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.

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 2020-05-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a credit card with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: CA

Complaint narrative:
I have a credit card with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX and XXXX   reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.

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