vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I have 13 Cd.s with Ally Bank for almost 10 years now. I elected to roll those Cd.s from a maturity date of XX/XX/XXXX to a new 5 year cds with a 3.10 % rate with a maturity date of XXXX. I was told all fees would be waved in order to stretch my maturity and keep the finds with ALLY. I also told them to keep the XXXX in accrued in the cd 's in order to give ma a value in each cd of XXXX. I have been on the phone at least 20 times without satisfactory resolution in this case. They will not allow you to call back to a specific supervisor. The normal reps keep saying it is getting escalated to the highest level and that I will get a call back in 48 hours. I am still waiting for this call for over a month now. 
1 ) they charged all my cd.s a fee which has not been corrected yet even after at least 20 calls and a visit to their offices in downtown XXXX where they said " we dont see customers here ''. 
2 ) They sent out the XXXX dollars in accrued despite my instructions as to what to do with that. 
3 ) All my Cd ; s should be the exact amounts and that has not been corrected 4 ) My accrued interest should be adjusted from my previous rate of.2.4 to the new 3.1 % for almost 3 weeks as it took them " 3 weeks to process things manually '' 5 ) all of my calls have been deflected. I did receive a call back from supervisor XXXX and she said she would get back to me as i emphasized these items again with here. This is one week now and no call back nor do i have a way to reach XXXX via phone or email 6 ) NO bank should be allowed to treat customers with such disdain and devalue my time as each call to the call center has been over 15 minute wait time 7 ) A financial penalty should be imposed upon them for my TIME and Money. PLease have them credit my XXXX in accrued interest to every account. And also penalize them for my wasted 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 monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have two insurance companies since XXXX. Both cards were submitted at the time of service. After my first insurance pays State XXXX picks up what is left. Ive contacted the credit bureau many times over these bills and I get the same reply every time its too late to bill for these charges. It isnt my fault that they didnt bill the insurance companies properly. They have a charge from XXXX and the same reply its too late to bill the insurance. Im XXXX and on a very limited income. I would and do pay my bills I owe but all these XXXX charges arent my responsibility. I hope you can help with this situation. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
To whom it may concern : The reason for my complaint against TD Bank is because I feel like I have been treated unfairly and have been giving the run around for months with no result in the end. 

I started to get the onset of sickness in the summer of XXXX and due to this had fallen behind on my mortgage payment. 

In XX/XX/XXXX I went out on short term XXXX until XX/XX/XXXX. 

Because I had fallen behind on my payments TD Bank sent me paperwork in XX/XX/XXXX to apply for a modification when I assumed the illness was getting better. 

I sent in the completed form to them and received a response in XX/XX/XXXX that the modification was accepted and the new payment. 

I called immediately to inform of my unforeseen and unavoidable circumstances and to see if they could assist me. The girl in customer service said to sign the papers and don't worry about it. So I did if not they would foreclose on my home. I also put this in writing. 

I made several calls after this fact to TD Bank to try and work with the bank to resolve the delinquency on my part but the persons name on the letters I received do not pick up phone and speak with consumers. So I had to speak with customer service who would communicate with the loss mitigation/escrow department then relay the information to me. I was also transferred numerous times, disconnected, transferred to a tile company in Maine on more than 1 occasion. When I did get a rep on the phone the answer was always let me transfer you to that department, I don't know, I can't tell you, I don't have access to that screen and I'll have a rep call you back which has not happened to date. 

I also received several letters that had different amounts for my mortgage and when I called to inquire which amount was correct I was given a completely new figure. 

I do not know what to do and I do not want to lose my home, can someone please help me communicate more effectively with this bank? Also please do not let them accelerate the foreclosure process due to this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I had closed my account with XXXX XXXX XXXX when I moved and the remainder of that balance was sent to the old address. I was not aware of that bill until it was sent to collections where I received a call from CBE Group in regards to that debt. I paid it in full, and now that I am trying to repair my credit, I called both CBE Group and XXXX XXXX XXXX to ask for a removal on my credit since it was completely paid off but both parties said no. I was told I could then file my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX - this is my 2nd complaint I have filed against them in the last 12 months. Today, XX/XX/2019 they contacted a family member who does not live in my home and is not my child or spouse looking for me. I have advised them after I filed the first complaint to not contact me before XXXX they continued. I than escalated to management and they advised they would only contact me by mail which they have and I have received the correspondence. Contacting people I do not associate with that are not my immediate family such as spouse or children which are minors is unacceptable. The representative was very rude and stated they can contact whoever they want to reach me. I need this company to stop the a harassment. It is a violation of my right as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Mr. Cooper approved XXXX XXXX for a modification on XX/XX/XXXX. There were acceptance documents due XX/XX/XXXX. XXXX made his trial modification payments in a timely manner each month. 
The acceptance documents were sent to a company not affiliated with XXXX XXXX XXXX XXXX. They repeatedly sent these papers to XXXX XXXX XXXX after we advised them repeatedly that XXXX was not represented by them. Mr. Cooper said they would send them to XXXX bankruptcy attorney and the attorney never received them. 
We finally received the acceptance documents and sent them the same day. They were processed by Mr. Cooper on XX/XX/XXXX. They advised the mod was closed but they would reopen it in 2 days because they understood they made a mistake. When we called to follow up 2 days later and they said there was nothing they could do, the mod was closed, and he could only short sell or do a deed in lieu. Further, they are unclear as to what they will do with the payments he made during his trial period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: FL

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page 13 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
While traveling abroad the company closed my account without contacting, I called the banked several times costing me a lot of money for phone calls they hardly returned my calls. And when I finally was able to speak to someone they offered no help and hung up on me. 
On XX/XX/XXXX. 
Bank Chase, Accounts XXXX card XXXX XXXX card Chase Freedom card. 

All these card accounts were closed, the accounts were in good order ( Payed off ) Now I am stranded in another country with no assistance from the bank and the bank refuses to tell me why they closed my account. Also this could also impact my credit score since my available credit will be reduced. 

Banks should not be able to close peoples accounts for no reason or notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NV

Complaint narrative:
XXXX XXXX bills me for wireless i never had. Keeps billing me XXXX I wont pay it. The collection agency called and sent notice. I owe you nothing. Never had a XXXX XXXX XXXX   wireless or any other service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: FL

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on XXXX XXXX - partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 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: AES/PHEAA
State: GA

Complaint narrative:
I've requested XXXX XXXX XXXX to dispute the negative, derogatory past history on my account being that the account is current and any issues were satisfied. However they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: SC

Complaint narrative:
Paramount Recovery ( XXXX  ) is attempting to collect a debt from me. They claim that I owe {$1100.00} for an emergency room visit. Originally I agreed to a one time payment of {$210.00} - using my XXXX Credit card, because I believed they were the company that was appearing on my XXXX   credit statement. I reached out to XXXX to confirm, and they could not verify that Paramount Recovery was responsible for any debt belonging to me.

Paramount Recovery is attempting to collect a debt of {$1100.00}, from an emergency room visit to XXXX XXXX XXXX XXXX ( XXXX XXXX ) from XXXX of XXXX. However, I was not seen during that time. I was seen in XXXX of XXXX, and I have paid my debt to XXXX XXXX - verified by Equifax that I owed the debt to XXXX XXXX. 

Once I discovered I did not owe to Paramount Recovery ( XXXX ), I reached out to them and asked for verification letters. I never received them. 

When I did not receive verification, I contacted them again and requested a claim dispute, and a reimbursement of the payment I had made. They said they would reimburse my account and send a dispute claim letter. I have not received a dispute claim letter or a reimbursement. 

On Monday XX/XX/XXXX, Paramount Recovery charged my credit card AGAIN for the amount of {$210.00} - without my consent. When I made my first payment, I gave explicit instructions to contact me prior to any new charges, and I told them I would not be making any more payments without receiving verification of debt letters. 

At this point, they have charged me {$420.00} XXXX only {$210.00} that I consented to - and I have repeatedly asked for a reimbursement on the original charge of {$210.00} - since they have not provided me with a validation of debt owed ). 

I am very worried they will continue to charge my account. The last charge of {$210.00}, which they made XX/XX/XXXX, was made without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 90 days past due on XXXX XXXX  - partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
The convergent collection agency was calling to collect on an account I already have a payment arrangement set up with the call was unnecessary. due to already working a plan out with them. the call took place at XXXX XXXX Pacific time and ended at XXXX XXXX Pacific time the phone number they called from is 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 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX a company by the name of Dynamic Recovery Solutions contacted my HUSBAND and informed him they were calling about an {$8000.00} debt from XXXX for me from XXXX  XXXX. have not received a call from them. I have no proof of this debt, nothing was mailed to me. I also currently have 4 accounts with XXXX XXXX. If I owed them money in the past why would they have approved me for new accounts? My debts, if this is even a valid debt should be discussed with no one but me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
In the beginning vehicle was leased directly from the dealer in the end of lease it was bought and loan was financed by " Chase Auto finance " XXXX XXXX TX on XXXX XXXX and paid off in XXXX with XXXX balance. My wife was driving this vehicle after paying off this vehicle she bought the new vehicle with the idea to sell the used one. My wife told me she will sell the car because she need some money for to pay off her some personal debt. We have two car garage this used vehicle parked on the drive way ready to sell it but " Chase auto finance '' never sent the title back I called them several time. Few months ago I called the Finance company why didn't they send the Title their answer was we owe them {$580.00}. that's why. " I told them we cleared the balance '' and monthly payment was {$360.00} how it became {$580.00} do you any proof of the written notice for that balance? the agent didn't give proper answer .Car is on the driveway more 5year battery was dead. one day I called the mechanic he started the car and tried put the gear car was not catching the race. He checked that the Transmission it was dead because there was no activity in the engine from such a long time. Car value was XXXX dollar at that time now some body is not paying even $ XXXX XXXX even we can't sell it without Title

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a refund check from chase for a little over $ XXXX.stating that the wrongfully had taken my car and sold it and I was in the XXXX. I finally received the check and cashed it with no info attached and after 3 years I received a letter from the IRS stating that chase sent in aXXXXform for me to pay taxes on this money. This was not money from working for chase but a refund from you over charging of fees and resale of my car. I have been calling and no one seems to know what to do ect. i spoke to the IRS and they stated that Chase needs to send a new XXXX form correction to get this situation handled and sent to IRS with correct information to get this handled this is causing me to have to pay over {$6800.00} in Taxes. I need this situation handled so that I can put this behind me. If I have to keep reaching out to someone in regards to this matter and getting no answers. I will be having my lawyer to contact due to this matter with information sent to the XXXX. this should have been information sent in the later. so that I could have filed right then in there but now I have fees ect for this which is affecting my life. if you ever get anything from them be sure to request all forms needed and get names because its been 3 years and still no answers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
Good Afternoon : Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. You are describing this account type as a loan when in fact the alleged agreement is known by its governing laws as a credit sale. There is no loan agreement in place. No goods or money have been loaned. I'm pretty sure it is a violation of the FCRA to knowingly furnish or report false information. Please delete this item within the time allowed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: TX

Complaint narrative:
Equifax is reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: NC

Complaint narrative:
Receiving repeated calls each day. The following list is just a portion of the recent calls received. They call and leave blank voicemails. Clogging my Voicemails with blank space. 
XX/XX/19- XXXX XXXX  XX/XX/19 : XXXX XXXX XX/XX/19- XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19-XXXX XXXXXXXX   XX/XX/19-XXXX XXXX  XX/XX/19- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've requested XXXX XXXX servicing to dispute the negative, derogatory past history on my account being that the account is current and any issues were satisfied. However they refuse to do so.

Company response to consumer: Closed with explanation