vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 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: U.S. BANCORP
State: OK

Complaint narrative:
COMPLAINTIDPRIMARYCONSUMERPRODUCTANDISSUECONSUMER-IDENTIFIEDCOMPANYSUBMITTEDSTATUSXXXXXXXXXXXXGeneral-purposecreditcardorchargecardClosingyouraccountELANFINANCIALSERVICESXX/XX/2019Thecompanyrespondedpromptlywithanexplanationthathadnothingtodowithmycomplaint.
STATUSSenttocompanyonXX/XX/2019CompanyrespondedonXX/XX/2019RESPONSETYPEClosedwithexplanation/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/Myoriginalcomplaintwas:Icannotuseaphone.
Iopenedtheaccountwithoutusingaphone.Icannotgetaccesstomyaccountwithoutusingaphone.Icannolongerusethecreditcardbuttheycontinuetakingmoneyfrommycheckingaccountmonthly,andIcannotstopit.Icannotevenclosethecreditcardaccountwithoutusingaphone.Irepeat:Icannotuseaphone.

Thecompanyrespondedpromptlywithanincorrectexplanationthathadnothingtodowithmycomplaint.

CompanyresponsesaysIcannowaccessmyonlineaccount.ButtheynowwantmetosupplytheanswertoasecurityquestionthatmakesnosenseandIhaveneverheardofbefore.

"whowasyourfavoritemanager?''managerofwhat..

IwasgiventwophonenumberstocallifIhadanyquestionorcomplaint.

CompanyresponsealsosaysIcannowaccessandusemycreditcard.whenItriedusingitIwasrefusedandgiventwophonenumberstocallifIhadanyquestionorcomplaint.

Pleaseseethefirstsentenceofmycomplaint.


XXXXXXXXXXXX

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 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I refinanced my mortgage with XXXX XXXX. My mortgage was with SunTrust prior to the refinance. On XX/XX/XXXX SunTrust sent a payoff statement to XXXX. However, the payoff statement was inaccurate because I had cancelled my XX/XX/XXXX payment but SunTrust included the payment in it's calculation for the payoff statement generated on XX/XX/XXXX. On XX/XX/XXXX SunTrust realized that I cancelled the payment so they generated a new payoff statement which they claim was sent to XXXX on XX/XX/XXXX. However, XXXX never received this payoff statement and SunTrust has no record that they actually sent the statement. 
So on XX/XX/XXXX a wire was sent to SunTrust to payoff the mortgage. The amount sent was based on the XX/XX/XXXX payoff statement because no one knew about the statement generated on XX/XX/XXXX. At that time SunTrust contacted XXXX XXXX company to let them no the payoff was short. Silk then contacted XXXX on XX/XX/XXXX to let them know. I was never notified of this issue. On XX/XX/XXXX by my own efforts I discovered there was an issue with the payoff. However, for 6 days I had two loans one my property both of which were accruing interest. This could have been solved in multiple of ways. Most notably I could have been contacted by XXXX on XX/XX/XXXX so that they payoff could have been corrected and I wouldn't have incurred extra fees and interest. Additionally, SunTrust should have honored the first payoff statement because they have no proof they sent it. XXXX said they would honor the XX/XX/XXXX statement if SunTrust could prove they sent the fax.

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 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In response to a complaint I filed XXXX XXXX from the Chase Executive office attempted to reach me by calling my Wife 's phone number on 3 separate occasions. My Wife was not able to take the call because she was at work. I returned each call and left messages asking Ms. XXXX to call me at my phone number ( she had initially called me at the correct number several times ). On the third call I made to Ms. XXXX I told her if she did not call me at the correct number I would file another complaint regarding this matter. She has not called back but someone named XXXX from Chase is now calling the incorrect number. I have left a message for him with the correct number and am filing this complaint hoping it will compel Chase to address this matter in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: CA

Complaint narrative:
Again, I have attempted several times, with and without the assistance of the CFPB to have Equifax perform a PROPER investigation into the public record on my credit report. They state, directly on my credit report, that they used XXXX as the source of verification for this bankruptcy. 

I have proof from XXXX, via my Consumer Disclosure File, that no such public record exists on my file. Equifax continues to assert that they verified this public record with XXXX, which is false. 

I know this is false, because I have personally reached out to XXXX and asked them to verify to me if there was a public record, more specifically a bankruptcy on my consumer file, and they said no. 

Equifax, I am requesting that you do your due diligence and contact XXXX. You will find that there is no such public record on my consumer file. And when you confirm this, you shall remove this immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: NC

Complaint narrative:
I refinanced my mortgage with Wyndham Capital. My  mortgage was with XXXX prior to the refinance. On XX/XX/XXXX XXXX sent a payoff statement to Wyndham. However, the payoff statement was inaccurate because I had  cancelled my XX/XX/XXXX payment but XXXX included the payment in it's calculation for the payoff statement generated on XX/XX/XXXX. On XX/XX/XXXX XXXX realized that I cancelled the payment so they generated a new payoff statement which they claim was sent to Wyndham on XX/XX/XXXX. However, Wyndham never received this payoff statement and XXXX has no record that they actually sent the statement. So on XX/XX/XXXX a wire was sent to XXXX to payoff the mortgage. The amount sent was based on the XX/XX/XXXX payoff statement because no one knew about the statement generated on XX/XX/XXXX. At that time XXXX contacted XXXX XXXX company to let them no the payoff was short. Silk then contacted Wyndham on XX/XX/XXXX to let them know. I was never notified of this issue. On XX/XX/XXXX by my own efforts I discovered there was an issue with the payoff. However, for 6 days I had two loans one my property both of which were accruing interest. This could have been solved in multiple of ways. Most notably I could have been contacted by Wyndham on XX/XX/XXXX so that they payoff could have been corrected and I wouldn't have incurred extra fees and interest. Additionally, XXXX should have honored the first payoff statement because they have no proof they sent it. Wyndham said they would honor the XX/XX/XXXX statement if XXXX could prove they sent the fax.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Lviv account number XXXX XXXX date XXXX XXXX XXXX XXXX XXXX account XXXX XXXX date XX/XX/XXXX two joint account Im single wrong debt on my credit scoring with XXXX XXXX XXXX account number XXXX date XX/XX/XXXX XXXX date all three equal XXXX XXXX in bad debt on credit scoring not mine dispute with XXXX   has negative items on credit til XX/XX/XXXXXXXX XXXX account XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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 DISPUTED DOES NOT BELONG TO ME, THESE ACCOUNTS HAVE CAUSED TREMENDOUS DAMAGE TO MY FILE AND NAME. I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I RECENTLY PULLED MY CREDIT. PLEASE CONSULT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY REMOVED.

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 2019-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently opened a Citi Bank High Yield Savings account. At the time of opening the account is was disclosed to me that I could transfer funds out of the account 6 times per statement period. ( this was a government rule ) When I finally tried to transfer funds out of this account, I found out that I was limited to a maximum transfer of {$10000.00} per day. And the transfer maximum was also limited to {$10000.00} per week. Therefore, I was only allowed to transfer out {$10000.00} in a week 's time period. 

This transfer policy should have been disclosed to me when I opened my saving account. 
If I would have know this, I would not have opened this account. Citi is more than happy to take my money, but acts entitled to hold onto my money. I feel deceived and I am harmed by this lack of disclosure.

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 2019-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I'm in the XXXX and going to be XXXX to XXXX for 9 months, so I set up auto payments for my capital one credit card. I never got a phone call from the credit card company to tell me anything was wrong afterward. Until I received notice that I missed a Payment from XXXX XXXX. 
The payment was only {$25.00}. But now has lowered my credit score by 177 points! 
I called capital one and talked to a supervisor, even paid my balance in full, he continued to tell me he wouldn't change the missed payment, and that it was my fault I didn't follow up on the auto pay I set up with their company. 
I have never missed any payments on anything since I started building credit. 
I fell like I did my do diligence by setting up the auto pay, if the company had a problem with it, they should have contacted me BEFORE destroying my good credit status. 
I would like your assistance in a fair resolution in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27 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 DISPUTED DOES NOT BELONG TO ME, THESE ACCOUNTS HAVE CAUSED TREMENDOUS DAMAGE TO MY FILE AND NAME. I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I RECENTLY PULLED MY CREDIT. PLEASE CONSULT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY REMOVED.

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 2019-09-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, THESE ACCOUNTS HAVE CAUSED TREMENDOUS DAMAGE TO MY FILE AND NAME. I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I RECENTLY PULLED MY CREDIT. PLEASE CONSULT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Respected Senators C.F.P.B IT IS SORRY TO COMMENT. SINCE XX/XX/2016 COME PLAYING WITH MY BANK ACCOUNTS BY PUTTING MY LOGIN. TD BANK HAS A COMPLOT AGAINST XXXX XXXX XXXX AND THE EXPERT CIBER PIRATES OF XXXX BULLYING WITH MY CHECKING ACCOUNTS ... EVERY DAY THAT I TRY TO CHECK MY ACCOUNT. I PUT TDBANK AND IT PAGE WAS CHANGED BY XXXX  XXXX ... XXXX XXXX. ( BULLYING TRAS BULLYING PLEASE NOTIFY TO THE BOTHS CEO OF TDBANK AND EMPLOYEE EXPERT IN XXXX XXXX XXXX. CEO MR. XXXX XXXX. 

BULLYING SINCE XX/XX/2016 TO PRESENT.XX/XX/XXXX NEW ADDRESS OF MR. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FLORIDA I HAVE THE NECESSITY TO LOGING TDBANK TO CHANGE MY ADDRESS BUT WAS DIFFICULT WITH IT'S FUNNY EMPLOYEE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Comenity Bank applies payments in a fashion that is not disclosed to the consumer in order to create a balance subject to finance charges. Specifically when paying off a 0 % promotional purchase balance by the due date specified on their statement they have applied a portion of that payment to a monthly minimum payment prior to its due date. It is unfair and not clearly stated on their statement. Their customer service agents were unwilling or unable to explain it until escalated to a supervisor. The scenario they create by misapplication of payments allows them to unfairly charge interest/ finance charges. I have enclosed attachments that document what has happened in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello. I received an invitation from Chase Bank with what appears to be a pre-approval invitation to the bank. Once I applied, it said denied. The invitation clearly makes the consumer believe that he or she will be approved for the card. After speaking with the supervisor, he apologized for the marketing error but would not remove the inquiry from my reports. I would like them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/XXXX : Received paper mail ( dated XX/XX/XXXX ) from Synchrony reminding me that I have a PayPal credit Account. I do not recall ever opening this credit account and it was never used. I called Synchrony to cancel said credit account. The Synchrony rep was very helpful and closed the account. He confirmed that there was XXXX balance and zero charges. He indicated that the credit account was opened on XX/XX/XXXX. My PayPal account shows that I joined PayPal in XXXX. I closed my PayPal account due to this discrepancy. 

My complaint is associated with the discrepancy between the XXXX and XXXX dates and the appearance that credit accounts are opened without the consumer 's awareness. I do not know whether this is an issue with PayPal, Synchrony or the previous service provider prior to Synchrony.

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 2019-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
Midland Funding. 
I never received any written that I could dispute. Also, i was on XXXX XXXX and had no income. Paid on it while working then as of right now I'm on XXXX and receiving XXXX and XXXX benefits. It takes every dime I get to get stuff or pay for things for my daughter 's school stuff and events, my bills and other stuff for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
On XX/XX/2019 I called to settle a debt on all 3 credit reports. I C System Collections promised to delete the debt on all 3 reporting agencies if I paid the debt in Full. I paid both debts in full and all I received was a letter stating promise to pay or what I C Systems calls a receipt. I have called repeatedly asking for a deletion letter and they refuse to do it after they promised to do so. I paid {$300.00} to remove both debts. I have also asked them repeatedly to remove the medical bills from my credit report because it violates my privacy rights. IC Systems continue to be rude to me when I call after I paid the debt. 
One debt was {$110.00}, the other was {$180.00} The company reported each debt but I paid them both together. 
IC Systems Collections XXXX XXXX XXXX XXXX XXXX, MN 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 2019-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have had an account with OCWEN since XXXX of XXXX, and paid it off in XXXX of XXXX. I am currently filling out past tax returns and tried to log onto website as I normally do, I could not log on. 
I called and was told that since I had paid it off, the account was closed and there is no information. I gave customer service my loan number, name, social security number and they still could not find any information. I tried to submit a request on their website, but could not as it said my account does not exist. 
I tried to reason with the customer service rep, I told them I will need the information for my XXXX taxes, etc ... 
I have had mortgages in the past and am still able to log onto those companies and look up tax information. 
Not being able to access my tax information is not acceptable to me and I am pretty sure that the IRS will not take my explanation that my information somehow disappeared. 
OCWEN Loan Account # XXXX XXXX XXXX XXXX XXXX. 
XXXX, Pa XXXX Sold XX/XX/XXXX Any help or information would be greatly appreciated. 
V/r XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: MI

Complaint narrative:
I have two Home mortgages Through XXXX XXXX of Union Home and Mortgages. 
In XXXX of 2019 I was informed that the escrow account was short on both accounts, We paid the difference. In XXXX of 2019 I received a second letter that our escow account were again short and we need to another {$600.00} on and {$500.00} on the other. 
After discussing this issue with them I discovered 90 % percent of the amount they are requesting is going into a cushion fund. I have excellent credit, I paid the extra that requested of me in XXXX also when we closed on the house last year in XXXX I was told part of the closing cost was years worth of escrow required by law I also paid that at closing. I believe Union Home mortgage is mishandling and would like a resolution soon.

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 2019-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
This initial communication is an attempt to inform you of monies exceeding {$6800.00}, XXXX XXXX XXXX XXXX XXXX XXXX UNLAWFULLY taken from XXXX  as agent signatorys account for XXXX in an apparent complicit scheme with the financial institutions and/or Clearinghouse activities that you claim contractually to represent in this manner. 

XXXX has provided detailed information with signed contracts including but not limited to the hold harmless agreements, therewith clearly and conspicuously signed by the alleged injured parties requesting their monies be returned, further supports XXXX right to a claim for the unlawful and illegal removal of monies from the associated accounts in connection with XXXX work performed. 

XXXX has included in this communication those names and amounts taken. Therefore, XXXX is now requesting that Square , Inc will make XXXX as agent whole again with a mutual agreement for three times the amount UNLAWFULLY taken and meet compliance with the Illinois statutory codes for damages intentionally incurred by Square Inc.s egregious behavior. 

Additionally, XXXX has no intention of waiving any of her rights to be restored all monies unlawfully taken. 

Moreover, if Square , Inc fails to meet compliance, subsequently XXXX is requesting Square, Incs insurance information. Please include its insurance agents name, policy number ( s ), general liability amounts, adjusters name, location and telephone numbers. See the enclosed demand for insurance information as Exh 1. 

Conclusively XXXX is requesting a full refund of all monies unlawfully taken, according to her letter of claim as addressed to the appropriate senior management team, underscored by her certified mailing # XXXX XXXX XXXX XXXX XXXX sent on XX/XX/19. see Exh 2

Company response to consumer: Closed with explanation