vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My original mortgage company XXXX filed bankruptcy and now shellpoint mortgage has taken over, and today I continue to follow up on having my account reflect the accurate amount I have paid since this transition & even provided proof of my payments that were made by money orders but shellpoint continues to send me delinquent notices as if I havent paid anything I have called and called and they tell me it takes 30 to 60 days but I keep getting the run around. I paid by money order not check my account should reflect current but they refuse to update it & provide me an updated bill because they said they a debt collector and they trying to illegally take my home on false information for XXXX that they claim is past due which isnt. Please help. I have provided proof within my emails to them. I can also send all other emails that I have continued to send trying to get this matter resolved but they keep sending certified mail saying Im in default when they have evidence that my mortgage should reflect current. They now have me on hold for long periods of time which is more than 30 minutes. They have NSF charges on my account but I paid by money order. They keep giving me misleading information verbally but in writing the direct agent sends emails as if hes been trying to reach me or excuses of why he didnt contact me but the entire time my phone is by my side and my daughter is also on my account with authorization to speak with them. Ive been threatened that they are taking my property since XX/XX/2019 but I have provided proof of XXXX, XXXX, & XXXX payments that were paid by money order but there system reflects NSF charges reflecting my payments bounced how do money orders bounce. 

They keep telling me to pay again because they didnt receive everything from XXXX but I provided proof of my payments nor did we receive anything in a timely manner of when to start paying Shellpoint. I paid XXXX & XXXX to XXXX when I was notified I sent XXXX to Shellpoint & XXXX payment isnt reflected on the account either and reflecting NSF when it was paid by money order as well. I provided proof still no update but I keep getting demanding letters and certified mail but they have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I fully paid on a settlement agreement ( all documents attached ) with Synchony Bank in XX/XX/XXXX. However, as of XX/XX/XXXX, credit bureaus, including XXXX, XXXX, and XXXX, are showing the status as " Collection Account ''. The status should be " Paid Charge Off ''.

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 2019-12-31 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: BB&T CORPORATION
State: MD

Complaint narrative:
BB & T Account Number XXXX was charged off and I received a Form 1099-C for {$14000.00} ( copy attached ) for Calendar Year XXXX and then the Amount Past Due was {$0.00}. However, beginning in calendar year XXXX, BB & T is reporting the Amount Past Due as {$15000.00}. BB & T can not show cancellation of debt income in XXXX for the entire balance owed and an amount past due in XXXX, because I have already been taxed on the cancellation of 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 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have received two separate deposits from trusted sources that Bank of America has held for unacceptable periods. BoA in both cases had access to the funds in the first twelve hours ofy deposit, but held the funds for two weeks.

My mortgage, tuition payments and power bill are in jeopardy of bouncing. BoA is using my proceeds to generate revenue for themselves and putting undue stress on my family. There is no reason for a hold of this length.

Furthermore, the teller at the time of deposit told me there would be a 48 hour hold.

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 2019-12-31 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: NJ

Complaint narrative:
On XX/XX/XXXX there was a XXXX XXXX XXXX XXXX card opened up under my name that is showing on Experian also on XXXX XXXX there was a XXXX XXXX  that was opened up on XX/XX/XXXX I never signed any documents with XXXX XXXX  but they are reporting this account I need proof of documents with XXXX XXXX  that I signed anything accepting this debt Inclosed is the identity theft affidavit Also my police report with the XXXX police department

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 2019-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My complaint is with Capitol One. I opened an account in XX/XX/XXXX credit line agreement for {$300.00} with a promise. My first initial payment was {$25.00} with promise to increase my credit limit to {$500.00} after 6 payments. I dispute how my account was handled. I was assigned 3 accounts XXXX, # XXXX and XXXX.because of a computer breech.

I finally received a final bill showing a balance amount not due. I requested an investigation on these accounts before an Attorney XXXX XXXX. He advise me to complete an application for XXXX XXXX before XX/XX/XXXX. I am still receiving bill statement with the incorrect balance amount. Capitol One has not transferred any payments made by myself to the new balance account transfer without explanation from two accounts ending XXXX and XXXX. No current purchases since XX/XX/XXXX. Account closed at the customer request. No consideration to provide me with Consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2019 Portfolio recovery associates llc filed a lawsuit against me in XXXX court without serving me with proper summons. PRA also tried to get a default judgement against me on XXXX with out me having the right of representation. In the past I requested from PRA proof of contract for the credit cards with XXXX XXXX  which PRA has purchased the charged off accounts for less than the owed amount. I received junk mail notifying me that PRA had filed a civil case against me as they were offering their services to assist me with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Consumer USA. After making a bulk payment of {$1300.00}, I asked that the extra amount be applied to principal on the loan. On proceeding bulk payments I continued to ask that extra monies be applied to principal. On more than one payment they continued to allow their system to deprive me of eliminating all principal. I was informed that if I paid all principal on the account I could work something out on fees that I owed. I took the information as legitimate. I would have paid remaining fees and not received a thirty day late on my credit report. For the full length of my loan I received routine courtesy calls. After I made what I thought was my final principal payment, I received no further courtesy calls. I inferred that what I was told about fees not being a part of the regular payment process as being true. My complaints are that I was given false information by a Santander representative, Santander no longer gave me courtesy calls stated on my billing statement and finally, Santander failed to apply my bulk payments to principal as I requested. This poor business practice has left a drastic impact on my credit. They caused my credit score to drop 60 to 70 points across all credit bureaus. All this occurred when I was in the process of refinancing a home. I have no other late payments on my credit report. Once my credit score dropped and the late payment showed up, some creditors lowered my credit limits. Lower credit limits further impacted my credit score. Santander will not acknowledge flaws in their payment system nor will they acknowledge errors made by their employees. I humbly ask for your assistance in rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Credit card with CitiBank. 
My card and cell phone were stolen on XX/XX/XXXX, after using a cash advance for {$100.00} at an ATM. I called Citi to report my card as stolen and noticed there were multiple fraudulent charges. I have had multiple phone calls with them, as originally they did not submit all of my transactions that were fraudulent under a dispute. Now they closed my case saying that the charges were valid because the chip reader was used ( despite my saying that the card was stolen and not in my possession ), and refuse to reopen the case, nor send me a copy of my calls where they state I said I had my old credit card in my possession.

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 2019-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: Alpha Recovery Corp
State: WA

Complaint narrative:
I have a credit alert on my credit and a bill for {$8900.00} from Alpha Recovery Corp popped on my credit. I called and I spoke XXXX XXXX and her supervisor XXXX XXXX and confirmed that they had the wrong person, by way of social security number and date of birth. The last four of the social are similar but the full social is not mine. I put a dispute through XXXX and with Alpha Recovery Corp and they are fighting me on it. Please help me to clear my name with this company thank you. When I spoke to them they mailed me a copy of the rental application ... The information attached doesnt belong to me. I have attached the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/19, a PNC bank branch in Georgia made an error of withdrawing {$1800.00} from my savings account and they gave those funds to someone else in error. I live in Maryland and all of my banking has taken place in this state. On XX/XX/19 at XXXX, I filed a dispute against this error and was incorrectly informed that I would be reimbursed 3 business days after my dispute was filed. After 3 business days, I was told by PNC customer service that my dispute was being dealt with by the fraud and identity theft department and that it could take up to 30 days for my funds to be returned to me. None of the errors that took place are my fault and my personal funds are being withheld from me for an unreasonable amount of time due to the errors of the bank. There has been a lack of responsiveness from the bank and the customer service processes have been disappointing. All of the funds that I keep in the bank are needed and I should not have to wait this long due to error on PNC banks side. For an insured banking establishment, this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TRANSUNION -- -allowing falsified information on my account, and not allowing me access online. First, the falsified account is for {$4000.00} entered by XXXX XXXX and this debt does not exist ; XXXX can not prove or show a contract because there is no contract. I have asked multiple times for this to be deleted and Transunion is not enforcing any honest guidelines for reporting. Second, on Transunion 's online dashboard, I am locked out because my last name changed. I have faxed in my proof of name change and called multiple times. They have changed my name internally so that their phone reps can see the change, but have not changed the website to give me access to the dashboard and be able to see my personal information. Multiple requests and extremely difficult to get Transunion to respond to me as a consumer. 

XXXX XXXX -- - has no contract for this supposed debt. I have been disputing this debt for a long time, and they are repeatedly closing the disputes by simply re-entering the same information. ( Why does the credit bureau allow this? Very corrupt. ) Please DELETE this debt for {$4000.00}, as the entry is false.

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 2019-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Im trying to settle my loans for a lesser amount as they are now being handled by a collection agency called pioneer credit recovery services ( pcr ) I was told by a representative there that they were refusing to send my offer to the original creditor assendium even after i sent 2 emails requesting them to do so one of the emails included the financial statement they requested I was also told by the rep that they are garnishing me so they will just get all the money that way to which I felt threatened and forced to try to get copies of personal records and send it in to them. Im in a serious financial crisis and am trying to clear this up to the best of my ability without my family and I loosing everything but this PCR company is making it nearly impossible I have offered to pay XXXX as a settlement in full and would like and need them to except this as this is all I have to give

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 2019-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX I my mother ( XXXX XXXX ) purchased a vehicle for me. The finance company was Tidewater XXXX XXXX based in XXXX XXXX VA. The loans was for 60 months in term and XXXX monthly. So I had been using my debit card to pay every month. I started to run into financial difficulties in XXXX and then finally filed for bankruptcy in XX/XX/XXXX. 

There was a " stay '' that was in place to protect me for 90 days until the debts are discharged. Throughout the period from the time I filed on XX/XX/XXXX, I received several calls from Tidewater XXXX XXXX. I had two calls from them on 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 XX/XX/XXXX. They left messages on my voicemail demanding payment on every occasion. They also sent me a letter " Congratulating me on my Fresh Start with my bankruptcy ''. They also offered me {$15000.00} to purchase a new vehicle. They knew I filed bankruptcy. 

They finally came to repossess the vehicle on XX/XX/XXXX. I called them on the date of this complaint and they did could not give me information because I was not the owner of the loan is what they stated. So I asked them to return the payments that I had paid. They didn't say anything. So I notified that I would be filing the report. They violated the bankruptcy stay order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Yesterday XX/XX/2019, I had three charges taken out of my account within the 3 to 5 business days it takes a merchant to receive funds and my account was still in a positive balance at that time. The next morning those same three charges caused three separate overdraft fees even though the bank and merchant had already processed and received those same three charges the day before. Through the chase bank app it showed that the charges for target totaling {$26.00}, {$66.00}, and {$72.00} were taken out of my account yesterday with a positive balance. This morning the overdraft fees were for those same three charges. I spoke 5 different representatives at chase bank over the phone. Not a single person was able to waive the overdraft fees even though I told them I would pay the balance immediately without the 3 overdraft charges. No one gave a clear explanation as to why Im being charged insufficient fund fees for charges that had already been taken out of my account the day before. No one can explain the that order in which the charges were taken out today are different from yesterday. I asked to speak to what I was told was higher ranking supervisors but they were no help as well. Ive been a customer with them for over 10 years and I am suspecting unethical practices are in play here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I spoke to a single representative who refused to help me make payment plans for my debt. I had to pay all or nothing. All while applying a daily accrual of interest. There were additional {$650.00} of a bill, I have no record owing and the hospital had no record of. I've attempted contact by phone on their automated service and customer service lines. No one picked up for an hour. I emailed them, received no response of receipt. Emailed a week later with a reply that states their email is full and the email was routed to a different person in the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: GA

Complaint narrative:
I sent a request for a validation of the debt and I have not received any response. 
The only reason that I knew of this debt was by looking at my credit report because I have not received any notice. I have also disputed the item on my credit report, but Evergreen Professional never responded to request sent USPS 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 2019-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
We built our house in XXXX and we were paying our mortgage with no problem then my husband got sick and we had issues. Back in XXXX we missed a few payments of our mortgage and we tried to work with the mortgage company but they would not work with us. We went to a local company for help and went to a chapter XXXX. We couldn't afford the bankruptcy so we went to a chapter XXXX and our terrible attorney did not inform us that we could lose our car and property if we did not continue paying. 

We have applied for 10 modifications with no resolution! Our mortgage company would not let us pay at that point. We hired many attorneys and then after paying a lot of money we were told we need to sue our mortgage company but we did not have the money to hire a litigator. Before the XXXX of XXXX we tried for one last modification which legally is supposed to stop the foreclosure and the sale of the house but of course this powerful bank has hold on our city and our house was to be sold at auction. No one showed up so the mortgage company assumed it. We stressed the fact that my husband has XXXX and is in treatment and still working so we do have income coming in. The company we hired said we need to sue the mortgage company but we are financially strapped with no means of help towards it. Now we have to be out of our home and the amount of money we have to spend to move we could put toward our mortgage! The mortgage company foreclosed on us so our credit is shot! Which means trying to find a place to live is very difficult! We have tried to reach out to every agency here in XXXX NY and no-one would help us!! We have been turned away from every housing agency here. They told us to hire an attorney which we can not afford! We are frustrated and angry!

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