vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on 2014. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: AL

Complaint narrative:
ERC, sent a letter about a XXXX XXXX XXXX  bill not paid, i received letter, then sent a check for {$700.00} in XX/XX/2021, now they are saying bill was never paid, i have proof of payment, I need this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
Email request for stopping of automatic payment and they still tried to pull 3 mores times resulting in excess last fees on bank account. 
Requested to set up other payment arrangements and always got the run around. Loan was sold to XXXX XXXX XXXX without any notification and eventually sent to collections. 
XX/XX/2020 They sent Final demand of payment. Counited to receive emails and text messages daily for the next month and a half requesting payment. 

Principal has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021, I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Telephone number is ( XXXX ) XXXX. I tried to obtain financing through their 3rd party company, XXXX XXXX. While I was completing the application on the agent 's tablet, she had me complete an application through Synchrony Bank. I did NOT authorize them to run my credit for Synchrony Bank as I knew that I would not qualify, but also Synchrony Bank runs a hard inquiry. I received notification that Synchrony Bank ran a hard inquiry from XXXX. I tried to contact XXXX XXXX and they told me to call Synchrony Bank. Either way, I did NOT give authorization for this credit check inquiry to happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX I had a long phone call with a customer service representative about my " new '' monthly payments. I informed the customer service lady that I was unable to pay the extreme amount of {$400.00} on my monthly loan. The customer service lady told me I had no other choice but to pay that. She told me that, that was the " current '' lowest monthly payment. However, I've been paying on my school loan since XXXX and the payment was {$220.00} a month. I currently have five loans to pay for. I have been paying for them on time. But someone once I finished paying one loan since it was a tiny loan, my monthly payments go up to {$400.00}. I have repeated asked them if I can lower the payments because I can not afford anything else besides these loans. I thought they were going to help me figure out a better solution to pay for them, like a payment that I can afford. Till this day my payments have gone up to {$460.00}. I have no where else to turn too. This is extremely hard to not be able to afford food because Sallie Mae will not lower my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: M&T BANK CORPORATION
State: FL

Complaint narrative:
I issued a standard billpay to be sent from XXXX to an M & T RV Loan due to arrive XX/XX/2021 as I have done before. Then as XX/XX/XXXX approached, the billpay had not cleared. 

XXXX confirmed the check was cut and sent on time. I called M & T and they stated there was a XXXX delay and lots of billpay checks were late. They were aware, they waived the late fee ( as shown in the attachment ) and assured me it would NOT affect my credit. 

On XX/XX/2021, I put a stop pay on the XXXX billpay check ( PER M & T 's REQUEST ) and paid the amount directly to M & T. 

Once again they assured me it was not my fault and it would not affect my credit. 
Well it DID affect my credit resulting in a 150 point drop and the reduction of at least 3 credit lines. I called M & T and they told me sorry nothing they could do, take it up with the credit bureaus. Thus far, the credit bureau disputes I have submitted have not fixed the issue. My credit and credit lines were massively hit and no one will correct this. I was not late and M & T ASSURED me this was not my fault and there would be no penalty for 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 non-monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC
State: FL

Complaint narrative:
Dear CFPB Representative, Thank you very much for taking the time to review this complaint. 

This is a case of a Law firm representing itself in a primary function as a debt collector.. Each letter from the debt collector ( 3 letters ) stated " We are a law firm, at this time no attorney with the firm has personally evaluated or reviewed the particular circumstances of your account ''. However, this firm recently filed a lawsuit against me without any notice or without notice of transitioning from a debt collector to a law firm. 

Additionally, this firm did not provide important documentation that I requested on multiple occasions so I properly validate the debt and the determine if this firm has authorization from the creditor to collect the debt. 

On XX/XX/2020 I received a letter from this firm, Cooling & Winter ( Letter # 1 ) to regarding credit card debt shown in the amount of {$82000.00}. I responded on XX/XX/2020 ( Response # 1 ). Cooling & Winter sent Letter # 2 and I sent Response # 2 and Cooling & Winter sent Letter # 3 and I sent Response # 3. I did not receive a letter back from Cooling Winter in regard to my last Response # 3. I will attach these 3 Letters & 3 Responses, label accordingly. 

Importantly, I did not receive any indication or notice at all that Cooling & Winter intended to transition from a debt collector to a law firm. Additionally I did not receive any notice that Cooling and Winter intended to file suit. Complaint attached. Th e Compliant was mailed by a different firm, XXXX XXXX ( attachment ). I have no knowledge about this firm, XXXX XXXX and never communicated with them. FInally, per my Reponses, you will see I requested multiple times for verification that Cooling & Winter had a license to do business in Florida and that Cooling & Winter had authorization from the Creditor to collect this debt. These are very important as many Collection Agencies do not have authorization and also may not have the license to do business in other states. These among other requests to Cooling & Winter were never specifically addressed. I also requested other documentation to formally validate the debt. 

Thank you for your assistance. I am always available to discuss this matter further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: GA

Complaint narrative:
To whom it may concern Ive recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. 
Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be removed from my credit report immediately. 

In addition I demand to have a copy of my updated consumer report once the following changes have been made. 

Including but not limited to One name SXXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Remove All Derogatory Remarks Remove All Hard Inquiries Remove All Late Payments Remove All Closed Accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: MN

Complaint narrative:
I was trying to make a payment on my new Paypal Credit account, but whenever I would try to add my bank details, I would get the error message " Sorry, that bank is already linked to the maximum number of PayPal accounts. '' even though I do not have other Paypal accounts. This is my checking account, this is my way of paying my bill, and I find it really shady that PayPal is blocking my way of paying my account. It said that it was having security problems and that this would be better, but it did not get better. 

Also, there was an advertised sign-up bonus of {$10.00}, but my first transaction did not go through due to problems on the merchant 's website, and even though customer service said that they would give me my sign-up bonus despite these " technology problems '' they have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
Binance US locked me out of my account on XX/XX/21 at XXXX ET for an unknown reason. When I tried to login to their website, a pop-up said to contact customer support to unlock my account. I contacted Binance Customer Support immediately. I have now been waiting for over 3 days for my account to be unlocked. 

I had close to $ XXXX in cryptocurrency in the account at the time it was locked. That has now gone down to about $ XXXX and I have no way of controlling my losses given my account is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had to payments deposited into my Bank of America mortgage escrow account. The amounts are as following : {$52000.00} and XXXX. Bank of America employees told me that since there is a credit/overage that I would receive the funds. I still haven't received the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
letter was sent, no response. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the audit trail according to GAAP ) ; 2.  Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Pennsylvania State Statues for Lawful Purposes. 
3. A copy of the contract signed by both parties and therefore binding both parties. 
4 .Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account. 

Furthermore I am the consumer in fact, natural person, original creditor, I the consumer that participated in a credit transaction ; ( Title 15 1602 The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
A recent complaint to the Federal Reserve found itself here. This was by forwarding the complaint in my name to Consumer Financial Protection Bureau. 

Submitted to the CFPB on XX/XX/2021 XXXX The company has responded to my issue and called my phone number with verbal requests. 
My complaint is that the women servicing the complaint for Bank of America is not answering her voicemail. I called her right back after her first and only message to me. I have left messages for her everyday for weeks. She is not responding and I am concerned that Bank of America is ignoring my claims that it has attempted to sell assets such as repairable homes to single home investors for cash only. 

I am a first-time buyer looking for a home. I am currently living in a temporary housing area. It is not fair that the Realtor would not accept an offer by me or office. They were legally bound to place the home on the NJ MLS and advertised the property as not allowing offers. 

The Realtor told me that BoA has a private portfolio of homes it owns under BANA. He has ignored my legal right to purchase the home with government financing and blames the Bank of America owner for his discrimination. 

This second complaint is for XXXX found at phone number XXXX XXXX XXXX Ext. XXXX. Please have someone with means contact this girl as, she is ignoring the bureau!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: KEYCORP
State: MO

Complaint narrative:
I HAVE AN ILLINOIS STATE REFUND DUE IN THE AMOUNT OF {$540.00}. I HAD MOVED OUT OF STATE AS OF XX/XX/XXXX AND THE CARD WAS ISSUED ON XX/XX/XXXX AND MY XXXX ILL STATE REFUND WAS SENT TO KEY BANK. I HAVE CONTACTED KEY BANK NOW AT LEAST 7 TIMES BY PHONE AND GIVEN THEM THE INFORMATION THAT THE STATE OF ILL COMPROLLER OFFICE STATED I NEEDED TO GIVE THEM I ALSO HAD MY ADDRESS CHANGED BY THE DEPT OF REV ON XX/XX/XXXX AND THE DOR STATED IT CHANGED IN THE SYSTEM. I HAVE CALLED TWICE A WEEK SINCE THAT DATE AND THEY STILL SAY ITS NOT CHANGED AND TODAY AFTER 6 OTHER PHONE CALLS ARE STATING THAT THE DOR HAS TO VERIFY MY BIRTHDATE ( HAS NEVER ASKED THIS BEFORE ) I HAVE CONTACTED THE ILL DOR AT LEAST 5 TIMES AND THEY STATE THE DONT EVEN GET MY BIRTHDATE ON THE RETURNS AND HAVE NO IDEA WHY THEY ARE ASKING FOR THIS. I BELEIVE THAT KEY BANK IS DOING FRAUDULANT THINGS WITH MY SS CARE AND NOW BIRTHDATE AS WELL AS I HAVE GIVEN THEM MY CURRENT ADDRESS, PREVIOUS ADDRESS, FULL NAME, AMOUNT OF THE REFUND AND EXACT DATE OF PROCESS. KEY BANK WILL NOT PROVIDE ME WITH AN ACTUAL ADDRESS OR EVEN A STATE THEY ARE LOCATED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Navy Federal Credit Union has once again failed to comply with federal laws and demonstrated bad faith in the handling of my auto loan. For several years the credit union fraudulently diverted payments to other accounts owned by me therefore the auto loan account became extremely delinquent. The original balance of the loan taken out in XXXX was {$5500.00}. NFCU charged off my account for {$6000.00}. This account and one other in which a creditor failed to work with on a revised payment plan lead to me filing a Chapter XXXX Bankruptcy. After filing on XX/XX/XXXX, even towards the end of XX/XX/XXXX NFCU failed to update the status of this account to all credit bureaus as 'Included in Bankruptcy ' with a a XXXX   balance as other creditors. They remained out of compliance as to the reporting of this account for the remainder of XXXX and even though I have been approved through the bankruptcy court for a {$1800.00} Reaffirmation Agreement ( balance ) on this account, NFCU still has failed to delete the {$6000.00} account identifying it as a Charge Off. I contacted the credit union early of and was told by a representative they have 'No Way ' of contacting any of the credit reporting representative for organization. After asking if this 'secret mission department ' was located on a distance island with not email or phone capability, I was only given the same response. I was also given the same response today ( XX/XX/XXXX ) when speaking to another representative. 
I also advised I would include NFCU as one of the creditor violators in an adversary proceeding as they failed to comply since XX/XX/XXXX after I filed the bankruptcy petition in XXXX of XXXX. Now that the reaffirmation has been approved and the new loan payment being set forXX/XX/, the correct credit report entry should be {$1800.00} Reaffirmation Auto Loan and all other entries deleted primarily due to NFCU 's fraudulent inflated balance of {$6000.00} prior to my bankruptcy petition. A previous complaint was entered in reference to the falsified inflated balance and diverting payments made to this auto 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 2021-02-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This started in XXXX of XXXX when I was hospitalized for 3 weeks due to XXXX. I had my wife contact XXXX XXXX and they promised to move my payment then turned around and reported it late. When I lost my job due to Covid they offered me a program that would save my cars so that I would not lose my vehicles and I accepted the program and they in return posted all the payments late while I was under a program that they offered. I wrote them several letters and disputed every late payment and they have refused to honor their program. I scheduled prepayments and they promised that the account would be secure and not reported late yet they reported each payment late. They have yet to respond to my request to remove them and it has grossly affected my credit and my ability to move and secure residence for my family. They can clearly see that I honored each payment and since returning to work in XXXX I have yet to miss a payment and I always pay more than the payment due. They even have a late pay that reported in XX/XX/XXXX and I have not missed 1 single payment since going back to work and both my accounts reflect current, up to date and timely payments. Please assist me in getting this matter resolved because all of my efforts has failed. 

XXXX XXXX Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/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