vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION
State: CA

Complaint narrative:
Due to a reduction of pay and provisions in the CARES act for COVID related impacts allowing temporary suspension in mortgage payments, I opted in to Fulton Bank 's offering. Nowhere was it revealed that this would result in a report to credit agencies disallowing any refinancing actions, or new mortgages. This should have been disclosed in the suspension offering process. Upon learning of this 3 months later, and being denied a critical refinancing with another bank ( to alleviate impacts of income reductions related to COVID ). I repeatedly called Fulton Bank to urgently resume payment schedule and not be reported negatively in a forbearance status. Representatives took days to respond or did not respond at all. My financing with another bank was denied due to this and resulted in a negative financial impact, exacerbating COVID related financial impacts. I was finally able to immediately pay the 3 months of deferred payments, but I was never provided a letter to lenders testifying that my Fulton account was in good standing. Over several weeks, I repeatedly called on phone and sent online messages requesting the electronic transmission of this critical letter I needed. My credit scores are over XXXX and I am currently unable to complete any other financing actions because of this adverse action by Fulton Bank. Most egregious is the treatment by representative " XXXX '' in the Mortgage section and with responsibilities in COVID related deferrals. She has refused to send me an electronic letter for weeks, has hung up on me over the phone, and refuses to answer the phone when I call back for an update on receiving the letter. In addition, no letter has ever arrived via US Mail either. I have electronic messaged Fulton Bank regarding XXXX for several weeks, and I just get messages back that a supervisor will get back to me. Nobody has ever gotten back to me in over two weeks. I lost the other financing due to this incompetence and lack of service, causing long term financial damage to my family in the middle of this pandemic. In addition, the arrogant and flippant attitude of this mortgage representative and refusal to help has been been simply unfathomable.

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 2020-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX I purchased a vehicle at XXXX XXXX in XXXX TX. 
The vehicle was purchased using Motor vehicle retail installment sales contract with arbitration Provision. The buyer listed in the contract is XXXX XXXX and seller/ creditor listed as XXXX XXXX XXXX XXXX. The arbitration was settled by transfer of title which is proven by odometer statement and vehicle was sold as is as proven by the buyer guide. The title was transferred by state of Texas and has me listed as owner with previous owner being XXXX XXXX of XXXX tx. This is proven by the registration papers for Texas department of motor vehicles. 

Once I received the registration for the vehicle it has had a lien placed against it from Santander consumer XXXX XXXX and since that time they are sending threatening letters and stating that they are going to repossess the vehicle. I have contacted Santander and requested a release of lien but they have not or are not willing to do so. I am filing this complaint because it is my opinion as a third party to the sale it should have been illegal for Santander consumer to put a lien on vehicle in first place and in the state of Texas a lien does not give a company the right to repossess a vehicle it seems to be harrasing and threatening treatment and an attempt to cohere individuals into accepting acceptance. 
My vehicle has been impounded as a result of this I can not get vehicle out of impound Santander consumer has attempted to call impound to retrieve vehicle which they do not have a right to do which they were told no The documents attached will prove the contract title transfer as is purchase ownership and lien that was placed on vehicle as well as threatening and harrasing attempts by antander consumer USA to collect a dept that is not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
PRA started to garnish my wages without notification. I had no knowledge of them attempting to garnish my wages. I was not properly notified of wage garnishment. Only knowledge of anything is when I got paid. This is unlawful and they should not be able to garnish wages with out notifing the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Consumer Real Estate Finance Co.
State: MI

Complaint narrative:
I applied for a home loan in XXXX 2020 and was preapproved. In mid XXXX I had the inspection and appraisal completed on the house and then my loan went into underwriting. We were scheduled to close on the house on XX/XX/XXXX but my lender said they needed an additional 3 weeks. We moved the closing date to XX/XX/XXXX. For weeks on end, my realtor and myself reached out to the lenders I was working with about 10 times  asking for updates, to which we were continuously told there were none and they would keep us updated. I asked to speak to supervisors and was told Id get their information later but never did. Finally on XX/XX/XXXX I was notified by my realtor ( not even the lender at first ) that my loan was no longer approved due to my student loans changing over the past few months, which is untrue because they have not changed at all. If anything I am in better standing than I was before. I feel like this company completely scammed me out of my money that I paid for the inspection, appraisal, and earnest payment ( total {$2300.00} ) and Id like my money returned back to me. This has honestly been a complete nightmare working with this company and I am just hoping they can make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX of 2020 the creditor XXXX XXXX XXXX requested Equifax to remove late payments for XXXX and XXXX of 2020 from my credit report. However, those late payments remain on my credit report. I tried to dispute these late payments twice with Equifax providing proof that those late payments should be removed, and that creditor asked you to do so, however, they are still on my credit report. Equifax did not look into this issue carefully and my request was not met. XXXX does not show those late payments on my credit report, however they remain on Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Me and my wife are both frontline workers, I am a XXXX XXXX and she is a XXXX XXXX. 
We work at XXXX in XXXX, during the entire pandemic we were both overwhelmed doing over 70 plus hours per week. 
We had an oversight on our mortgage payment too chase bank and did not realize we had missed a payment during the month of XXXX. 
As soon as we were notified that a payment was beyond 30 days past due, the amount was Paid Prior too this one missed payment we had never had an issue paying on time and both of us had retained a perfect credit score and overall credit history. 
I have made several attempts to reach of too JPMC and have even try to submit a goodwill letter at a local branch.

I have received negative response from both JPMC and the 3 major credit recording bureau.

The impact of single isolated incident has severely effected the financial security of me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I was charged a cash advance fee on XX/XX/2020 in the amount of {$65.00}. I had a chat session with XXXX at Citi Bank and I asked for an explanation of the charges since I never obtained a cash advance. I asked for a refund and I was turned down. She explained the charges were due to using XXXX transferring money on XX/XX/2020. I told her that I did not know that was considered a cash advance and I demanded a refund but she would not give it to me. 
When I used XXXX, I did not know that the transaction would be considered a cash advance. If I knew that, I would have not done it. I explained that to XXXX and she threw the book at me. 
XXXX, nor Citi card informed me this would be considered a cash advance, therefore, I would like to file a complaint against both companies and I would like Citi to give me a refund in the amount of {$65.00}.

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 2020-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2020, my account was closed. On XX/XX/XXXX and XXXX i received a deposit for {$540.00} then for {$190.00} totaling {$730.00}. I was told a cashiers check would be sent out in 10 days when i called on the XXXX of XXXX. On XX/XX/2020, the funds were supposed to be getting mailed out. On XX/XX/2020, i called in to find out my funds are flagged for review. Since then ive progressively went from calling daily ( by their request ), to weekly. It is now XX/XX/2020, and ive put in multiple request, spoken to multiple agents at bank of america, and yet the biggest update i received was about 2 weeks ago when a supervisor stated she's emailimg the back office and the review team and her boss as well to get this resolved. Unfortunately when i called back earlier this week there was only a note on the account that stated i will be getting my check, but theres no update from the review team, no estimated or confirmed date to send it, nor any information on why it can possibly be taking this long. During this whole process i received 3 letters. One saying my account was closed, one saying my account is under review, and the 3rd being a monthly statement.

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 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
In XX/XX/2020 I subscribed to the XXXX XXXX service. In XXXX I learned that I wasn't receiving all of the benefits of XXXX XXXX that everyone else was able to. I could not access XXXX on my phone app. I tried to resolve this with XXXX but they didn't resolve the issue they cause. On XX/XX/XXXX, I submit a dispute against the the XXXX charge of {$120.00} for half or {$63.00}. If I'm only getting half the use out of the service, I should only pay half. After Chase notified XXXX of the dispute, XXXX canceled my entire subscription. I learned of this cancellation on XX/XX/XXXX. On XX/XX/XXXX, I sent Chase a secure message to get an address to mail in additional information about the dispute because I needed it updated to a full dispute instead of the half dispute that I originally requested. I attached the documentation supporting this update. I was told I would get an update on this. 
Since that time my dispute has not be updated for the full amount. I am still only getting the temporary credit for the half dispute. I have attempted to contact Chase multiple times and have not got a response to the issue. Chase has claimed their employees are overworked and there is too much work for Chase to handle in a responsible time to get responses to customers. Because I don't want this to get lost in all of the work and high volume that Chase claims that they have, I felt it was best to file a complaint so that I know it will get addressed. I feel like I should just go though CFPB on all of my corespondents with Chase because they seem to play the high volume card all the time. And for my security and not wanting my corespondent to get lost or missed in the high volume, it would probably be best to make sure there is a record of everything with an organization like CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Services have been calling me about a mortgage debt that I owed to XXXX. I was told that they debt was transferred to them and that I owed them for debt from XX/XX/XXXX. XXXX billed me for XX/XX/XXXX mortgage and I attempted to pay this debt. 

. On XX/XX/XXXX asked XXXX XXXX XXXX my mortgage payment was not withdrawn from my account. I was told that my loan was transferred to another company. This transfer for servicing or sale of my mortgage did not follow 1024.33 Mortgage Service Transfer regulations. First, I did not get 15 days after the effective date of transfer. I was not provided with an effective date of transfer. XXXX XXXX XXXX collected mortgage payment from me on XX/XX/XXXX and also responded to complaints in the said month. In XXXX I received a call from an unknown creditor who identifies as Select Portfolio Services ( SPS ) informing that I was late on mortgage payment that was due XX/XX/XXXX. The call from unknown creditor came a few days after I asked XXXX XXXX XXXX about why my mortgage payment from my bank account. Regulation XXXX explicitly states that payments are not considered late during the 60-day period beginning on the effective date of transfer of the servicing of any mortgage 33 ( c ). See attached XXXX bill sent to me on XX/XX/XXXX. How could another company state that I owed them XXXX first bill? Automatic payments were set up wit XXXX which shows my attempt to pay this bill. Either XXXX or SPS reported late payments to the credit bureaus. Yet I have no details about the transfer of my loan. This is the only late payment I have on my credit and this significantly impacting my credit score. Was my loan sold. 

When will I get a information from the SPS about the delays of my loan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: MA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX of 2020 the creditor XXXX XXXX XXXX requested Experian to remove late payments for XXXX and XXXX of 2020 from my credit report. However, those late payments are still on my credit report. I tried to dispute these late payments twice with Experian providing proof that those late payments should be removed and the creditor requested them to do so, however, they are still on my credit report. Experian did not look into this issue carefully and my request was not met. I am attaching proof to this complaint showing that creditor reached out to Experian twice in regards to this matter, however, it did not bring any results and false late payments remain on my credit report.

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 2020-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
Date was XXXX Amount {$730.00} CREDIT MANAGEMENT Ive tried to dispute this with XXXX   and they dont want to remove it XXXX has remove it I do not have any knowledge of this account I shouldnt have this on my credit it I did not authorized this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Date : XX/XX/2020 XXXX : {$1200.00} Action : I requested to cease all collection activities if they could not show proof of validity and to verifiable physically the documents to show if it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The accounts and inquiries are not mine, I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts and inquiries without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a Capital one statement reflecting a balance of {$520.00} of which {$500.00} was my credit limit and {$23.00} were late fees. Payment was due on the account XX/XX/20 in which I paid {$500.00} on XX/XX/20 on XX/XX/20 there was a intrest applied to the account. I contacted Capital one to inquire, I was told the intrest was applied due to my outstanding balance. Balance needed to be paid prior to XX/XX/20. I was also informed that my payment of {$500.00} was being held for 7 days and would not reflect as paid on my account. Which is why intrest charges incurred even though my payment was received. I was told by 2 account representative as well as supervisor that because I paid my balance in full they would hold it for 7 days even though it cleared my financial institution without any issues. I have used the same method of payment since the credit account was established and the same amount monthly for 2 years. This is unlawful

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I noticed about four months ago that there were unauthorized charges on my checking account. When I contacted BOA I was told that these charges has been coming out of my account for almost two years to the tune of {$4500.00}. I told bank of America that I have never have an account with uber eats and have never had food delivered to me from them. I did not notice these charges because I was not receiving my statements and I did complain to the bank several times about it. I dont do online banking because of personal reason and that is why it was so important to receive my monthly statements. Foe the bank to tell me that it was my problem and not only are they not returning my money to, but blame me for not noticing the fraud earlier. Yes my only crime is that I did not discover the bank incompetence early and I do take responsibility for that. XXXX   have asked several times for them to show me the proof how they come to the decision that the charges were authorized and they have not been able to do so. Those charges were directed to my checking account but they were not directed to my gmail account, my XXXX account or my phone number and I would at least like to know at least on e of the businesses or individuals, or restaurants who benefits from my loss so that I can at least be compensated in some way.

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 2020-08-22 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: FL

Complaint narrative:
The accounts and inquiries are not mine, I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts and inquiries without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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