vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I stuck my check with payment coupon into the provided envelope and mailed it off as per usual to think utility services with address visible in window. 

check was debited from my account in the amount of {$150.00} on XX/XX/XXXX this year. this should have put utility account balance at about {$110.00} credit ie i won't owe them money for several months received notice through mail this past monday that they think I owe them {$41.00}. 

Provide computer printout of cashed check that indicate a bunch of alphanumeric jibberjabber in the endorse section on back. Bank of america is  the only thing that registers for me. 

think utility services says that their bank is XXXX and that they did not endorse that check today XX/XX/XXXX18 i go to a bank of america branch with the printout to try to find out who actually got the XXXX of my money. The branch manager says that he can not determine who got my money other than to say it appears to be some global account. Some bank of america processing facility or branch allowed an endorser to collect money that was not theirs as they are clearly not ' think utility services '. BofA recommend i file a fraud claim with my institution XXXX XXXX. 

not sure how my check made it to a bank of america from a postal standpoint or a check handling perspective but the manager not being able to tell me who in fact got my money is baffling. It is almost as if the fraud is embraced at the institutional level. Will i get my money back? I don't know, they don't care, but I'll certainly have to work for it if I do.

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 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX

Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX  OH XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX   XXXX XXXX XXXX, XXXX, OH XXXX   XXXX XXXX XXXX , XXXX, OH XXXX NUMBER REPORTED PLEASE REMOVED FROM MY REPORT : ( XXXX   ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX-XXXX ( XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
Since the first week of XXXX me and my mortgage lender have been trying to get a payoff good for 30 days. When we finally got the payoff on XX/XX/XXXX, it was dated XX/XX/XXXX and expired XX/XX/XXXX. The loan will close on XX/XX/XXXX but the creditor will not receive their money by the XXXX, not enough time. When we requested an updated payoff they refused unless I make a payment. These people have already garnished my bank account {$1400.00}. And didnt even deduct that amount from the payoff amount. We are wanting and are going to pay this debt. The refinance loan has already been approved, closing date scheduled. Can you please help me with this? XXXX XXXX represented by the firm of Zwicker and associates. I have never had so much trouble trying to pay someone. Please help. My number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I keep receiving phone calls for a company called Portfolio Recovery. They have called numerous times, and they always use a different phone number. They never leave a message, and I do not answer these calls since I do not recognize the numbers. These are some of their numbers : XXXX, called at XXXX XXXX CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX CDT on XX/XX/18 XXXX, called at XXXX CDT on XX/XX/18

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank Mortgage Loan Servicing XXXX XXXX XXXX, XXXX Ohio Summary : The mortgage payment is due on the first of the month but must be received by the XX/XX/XXXX of the month. I have submitted every mortgage payment in a timely manner. I submit all payments by electronic check. Keybank receives the checks 4-6 days after the check is sent. By the XX/XX/XXXX or the XX/XX/XXXX of the month as documented by the bank I send the electronic checks from. Keybank is taking 10-14 days to process the check once received by them. They are then charging a late fee. I have called them. They said that is not possible to take that long to process a check. I sent the proof to them. They did not respond. This is now the second time this has happened. The check was received XX/XX/XXXX. Key Bank then issues a late fee. When I spoke with them, they said, " why don't you just do " Auto-Pay ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX NUMBER REPORTED PLEASE REMOVED FROM MY REPORT : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX NUMBER REPORTED PLEASE REMOVED FROM MY REPORT : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

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 2018-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
1 ) Unable to lift credit freeze 2 ) Unable to get credit report 3 ) I suspect fraud/errors 4 ) Experian not responsive by phone or web

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 2018-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Brand new credit card received with a credit limit of {$1000.00}. My very first payment was due XX/XX/18. I made a payment online XX/XX/18. I received an emailed same day ( XX/XX/18 ) stating the payment was " scheduled '' and would take 2 business days to post. Emailed received XX/XX/18 stating the payment made on account posted XX/XX/18. Next email received XX/XX/18 was simply stating my statement was ready. XX/XX/18 and XX/XX/18 indicated that a payment was missed. I contacted the issuing bank ( Synchrony for XXXX ) to which I was advised for the very first time that my payment was rejected. I never received any notification via email that this was an issue. On XX/XX/18 I was able to speak with a supervisor who informed me that the notices that go out for rejected payments, only go out in a letter to the home address and NOT via email like all of their other correspondences related to the financial aspect of the account. She also stated that the 2nd email that indicates a " posting '' to the account does not mean funds were received by my bank for the payment. The email does have verbiage that indicate that it being considered as " posted '' there could be issued with my bank information and funds not meeting the payment. The letter that they generate for this " rejected '' payment was dated XX/XX/18, and was received in the mail on XX/XX/18. As a result of this undisclosed " rejected '' payment, I was charged a late fee, ( however, I would have corrected my bank acct number or used another source of payment if I was notified and the payment would not have been late ), the late payment was removed, yet my credit limit was drastically reduced. This particular credit car has options when purchasing to request installment payments of purchased, therefore by reducing the limit, the pending charges, once processed would result in the credit line being exceeded. I had previously made purchased based on my credit availability at that time. This appears to be a tactic used to set a consumer up for fee after fee. The notifications used were deceptive as they email for late payments and when payments are received, but lack timely notifications that could inform the consumer of issues that could result in a negative impact on credit and additional fees. Their resolve was for me to request a review for an increase in the credit limit ( of which I was denied ) and no options for the communication as this was their practice and they were " sorry this happened '' and I could simply pay off the card to avoid further issues.

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 2018-12-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I certainly hope that I checked the appropriate boxes so that this form is routed properly. 

I have numerous accounts with various financial institutions. All of which I have managed responsibly for decades. None of which have at any time been poorly managed, which is intentional, so that I will not be judged as unworthy by creditors. 

Two of these are long standing and in good status with CHASE. 

XXXX uses a Transunion software named XXXX XXXX. 

Of all of the other accounts I utilize, at least 10, my score is in the 800+ range with an A rating. 

Based on XXXX XXXX my score is in the mid 700 range with a B rating. This change happened within the past 30 days. 

The problem is, that within the last 30 days, I have only improved the balances and account statuses, yet, based on XXXX XXXX resulted in a lower score. The same software was being utilized for many months, perhaps years prior, and seemed to be inline with the other 10 institutions. 

As directed by XXXX, I attempted to contact Transunion to understand their judgment of my worthiness. Transunion would not provide a sensible explanation. They claim it is based upon algorithms. Yet, the same algorithms were in place 30 days ago and my perceived worthiness, if you will, the judgement rendered upon me and my worthiness based on XXXX XXXX, has been reduced in an arbitrary manner, even though my accounts have only improved, that being, the balances are lower, the percentage of credit used to availability is reduced, and the history of proper management has lengthened. 

Transunion said that CFPB are the party responsible for managing errors caused by their software. 

I rebutted that assertion. Stating that there is no reason that a tax payer funded agency should be held responsible for their error, and that there should be someone employed by Transunion who can review this situation to rectify the anomaly caused by on XXXX XXXX. 

The supervisor with whom I was speaking at Transunion, XXXX, was adamant that CFPB will have the solution, but that Transunion does not. 

Thank you for your time.

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 2018-12-20 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: CA

Complaint narrative:
On XX/XX/2018 I went to the XXXX XXXX XXXX for service ( carwash ). The transaction amount was for {$26.00} XXXX {$21.00} for the wash and a {$5.00} tip ). I attempted to use my Bank of America debit card. The attendant took several swipes with my card before handing it back and telling me that it was rejected. I then provided my Bank of America Visa card and completed the transaction. A few minutes later, my wife called to tell me that our checking account had a pending post for {$20000.00} to the car wash. She immediately contacted B of A to dispute the transaction. B of A removed the transaction. On XX/XX/2018, the {$20000.00} was withdrawn from our account rendering a negative balance. We again contacted Bank of America and established a case file objecting to the transaction. We after doing so, I visited a local branch and spoke to the branch manager who informed me that there was nothing that could be done. In fact, it could take up to 90 days to resolve the problem! While with the bank manager we contacted the merchant and he was adamant that the transaction had not taken place and therefore didn't need to do anything. I informed the merchant that my next stop would be to the police department. As I pulled up to the PD, the merchant called to tell me that he was incorrect and that he did have my money. In a 3-way phone call with his processor, it was agreed that the merchant would issue a reverse charge to my debit card. The processor has provided their evidence that the reverse charge was made on XX/XX/2018. As of this correspondence ( XX/XX/2018 ), we have not seen a posting to our account and B of A is not willing to provide any relief. This was not my mistake, yet the bank policy seems to lend to taking care of itself versus taking care of its customer. Because the bank allowed the transaction to go through, we are significantly negatively impacted and now have no way to meet our financial obligations. I've received nothing but canned responses on each of my calls and the obligatory " Have a nice day ''! While I've received many comments from B of A employees that they've never seen a $ XXXX car wash, I've gotten no help from them whatsoever. Between the merchant and the bank, we are now in financial difficulty.

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 2018-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Avid Acceptance, LLC
State: WA

Complaint narrative:
When I first purchased the vehicle, I was told by the dealership that the loan would be due in 45 days. When I spoke with the lending company, they told me that wasn't true - the paperwork was submitted for 30 days. I explained that I could not make a payment at the beginning of the month, that I would need to have my payments due after the XXXX of each month. I was told there was nothing they could do to change the payment date. I've since gotten behind, and can not keep up with the late fees. Because my account is now past due, they tell me that they will consider changing my due date once my account is current, but will continue charging me late fees if I don't pay at the beginning of each month. Beyond being unreasonable about the due date of my payment, they refuse to take any form of payment from me aside from a credit card payment. They charge a {$7.00} fee to make a credit card payment. They refuse to waive the fee even though they will not accept any other form of payment from me.

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 2018-12-20 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
These item ( s ) showing 30/60/90 days late payments are inaccurate because the vehicle that was financed by Ally was totaled by XXXX insurance on XX/XX/XXXX. 
Ally voluntarily stopped drafting my checking account for payment. I contacted Ally on several occasions once they reported me 30 days late and was assured no payment was required of me and that the late payment status would be removed from my credit report. 
Ally has made no attempt whatsoever to collect payment from me in any way. 
Please remove these items from my report. 

. 
Sincerely, XXXX XXXX XXXX

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 2018-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
PAYMENT DISPUTE Specialized Loan Services " hereafter Lender '' XX/XX/XXXX : On or about XX/XX/XXXX, i made my monthly mortgage payment. Lender notified me that they did not receive the payment. I provided lender all evidence which included a money order and proof of it being cashed. While the matter was being investigated by lender, i decided to pay to avoid additional penalties. 

XX/XX/XXXX : On or about XX/XX/XXXX, i made my monthly mortgage payment. Lender notified me that they did not receive the payment. I provided lender all evidence which included a money order and proof of it being cashed. While the matter was being investigated by lender, i decided to pay to avoid additional penalties. 

XX/XX/XXXX : The lender acknowledged of error and applied both the above payments towards interest. 

My issue : I would like the lender to return both payments to me instead of applying towards my interest, as I was forced to borrow the money to avoid a foreclosure for an issue caused by the lender.

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 2018-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
I had paid off my loan and canceled my auto draft service prior to XXXX due date. Navient still pulled the auto draft after cancelation and pay off. Called to get money returned and was told they couldnt without my bank statement??? Wanted me to send them a copy of??? No thanks. Then was told that the manager is overriding to re-deposit into my bank account. Would be returned in 10 days. Logged on 15 days later and still no return but their website now says I am owed nothing. So I call to see what happened and now they said I would get a check in 30 buisnesd days!!!! How are they even allowed to take money when a loan balance is XXXX and the auto was canceled. Seems like they stole my money to me!

Company response to consumer: Closed with explanation