vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: MI

Complaint narrative:
XXXX aka Monterey Financial, provided an online " Lease '', yet structured as a Loan. 

The initial purchase was {$1200.00}. To buyout the lease/loan early, the amount exceeded {$3400.00}. 

In XX/XX/2020, upon receipt of loan/lease documents, the window for a reduced early buyout of the loan had less than 12 hours to be executed. 

The following business day, I reached out and inquired about a payoff amount, in which the adviser gave me with no reduced amount, simply the monthly payment x duration of loan. They explain, " Because this is a lease, they have the right to additional fees. '' To the tune of {$2200.00} on top of the original {$1200.00}?! 

When I asked how this could be so high, it was relayed that " Details were provided in the information packet I digitally signed. You were made aware of our fees and were provided ample time for a buy out. '' Their provided time limit offered no time to gather the funds and pay the loan off early before the pay in full amount set in. I only used this service to help with building stronger credit lines. This mixed with Covid, has become a huge burden on our family. Had I known the dirty details, I would have used my credit card to purchase the products. 11 % is a darn sight better than their 200 % interest rate. 

In order to keep in good standing, I've continued to pay on time. But, this is simply wrong of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I called Ally financial in regards to a hard inquiry that was placed on my account XX/XX/XXXX, where I was never aware of this unauthorized and did not give this company no consent to run my consumer credit and I did not do this..I spoke with a representative on the phone qhere they opened a dispute and gave me a confirmation # XXXX .I truly feel like this is a violation of my privacy right ..the company ally financial inc responded with a letter stating '' they basically are unable to locate information about me '' ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2021, I awoke to a text from my bank. This is not unusual because I receive a text every morning with my balance. However, I should have had {$1200.00} in my checking account, and the text told me that I only had {$39.00}. Immediately I opened my banking app and saw that there was a {$1200.00} " Pay Friend Transfer '' to someone named XXXX XXXX I do not know anyone by this name, and I did not authorize any transfer of money to this person. 
Immediately, I called the customer service number to speak to someone, and I also froze my debit card, just in case the person tried using my numbers to purchase anything else. 
I spoke to someone who transferred me to the disputes department. There, I was told that I would need to fill out a form. No advice was given on whether or not I should close my account and open a new one, or how quickly I could expect to get the money returned. All that was said was, " fill out this form. '' Nothing could be answered about when I could expect to hear from someone regarding this incident ... just, " fill out a form. '' And now it has been FOUR DAYS and I haven't heard one word. Not one word. My money just disappeared and I am left with nothing for FOUR DAYS. Even now, I am sitting here typing this letter while on hold, just trying to talk to someone at the bank about this. I have been transferred 3 different times, and have been on hold a total of 1 hour and 15 minutes. 
I am a single mother with XXXX children who works XXXX XXXX XXXX XXXX XXXX XXXX. I am literally left with no access to funds and no one seeming to care or want to help. I'm tired of " filling out forms. '' I did nothing wrong. I was the victim of a theft, and I need my money. My rent was due on the XXXX, and I have had a transaction go through and now my account is in the negative. 
I just need someone to help me. {$1200.00} is such a large amount to me, I can not tell you how devastating this has been to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MAJR Financial Corp
State: MI

Complaint narrative:
MAJR FINANCIAL CORPORATION Have contacted them since 2017 with documents to show that this account is apart of a identity theft case no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/XXXX, I called Chase Mortgage to ask them to not issue out my XXXX property taxes out of my escrow. Chase had on record on my online account portal that they were going to pay my county 's trustee office for my taxes in XXXX of XXXX. The trustee 's office of XXXX XXXX in Tennessee is who handles my property taxes. The reason I was requesting this is because I was going to pay my taxes myself, due to refinancing my mortgage with another company. Taking care of my taxes myself would have made the refinance process easier. The person at Chase that I talked to stated that they would request that the escrow payment be put on hold. However, later on I found out that the escrow payment for my taxes had already been sent via wire by Chase on XX/XX/XXXX. The representative at Chase did not inform me of this at all when I called on XX/XX/XXXX. If they had told me this when I called, I would not have issued out the payment myself. But instead, my taxes were double paid, because of Chase 's failure to inform me that they already had paid my taxes. 

I have been in limbo now since then with both Chase and my county trustee office, trying to find my {$1100.00} payment that was issued from Chase. As of today, XX/XX/XXXX, both Chase and the trustee 's office can not figure out where that double payment is. The trustee 's office says that they have received nothing from Chase at all, on my behalf. They only have the payment that I had made myself on XX/XX/XXXX, right after I called Chase to request that they not issue the payment out of my escrow. Chase is saying that they wired the money to the trustee 's office on XX/XX/XXXX, and it has already cleared on Chase 's end. So basically, both parties are pointing fingers at each other, and I am stuck in the middle with {$1100.00} missing. I'm leaning towards Chase being at fault here, because my county trustee 's office took the time to manually go through every single payment that they have received from Chase since XX/XX/XXXX, and they have zero record that anything came from Chase on my behalf. Chase is basically throwing their hands up in disbelief, and keep saying that they are looking into it. I've been dealing with this since late XXXX XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04 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: CBC Companies, Inc.
State: OR

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, FACTUAL DATA/XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX  add a hard inquiry on my credit reports. 
On XX/XX/XXXX, SYNCB add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX  XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-04 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: UNITED BANKSHARES, INC.
State: WV

Complaint narrative:
Fraudulent withdrawal of funds ( {$510.00} ) on XX/XX/2021 from United Bank Visa Debit Card, linked to my checking account, by a foreign bill paying service based in XXXX XXXX XXXX XXXX XXXX. I, as the owner of the account, was contacted by United Bank 's Fraud department on XX/XX/2021 asking if I was authorizing this charge and I replied that I did not, it was a fraud, and I advised United bank not to release any funds. They replied that they could not do that, and I would have to report this to United Bank 's customer service department when they reopened for business in 48 hours. I contacted United Bank 's customer service department on XXXX and reported to call center representative ( XXXX ) the fraud. Was advised that United bank could not enter this fraud as a 'dispute ' that I would have to report this in person to one of their physical branch offices and I would have to wait for 5 days, until XX/XX/XXXX to report since the withdrawal was in a 'hold ' status '.

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 2021-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed up for the {$700.00} Citi bank promotion - which required me to fund my account when I created the account, I didnt recieve my debit card and pin which are required to create an online account to access account number/fund my account. I called them after 2 weeks and they said they were waiting on more information, but did not send me any emails indicating what information was required. I emailed and faxed the additional information required but did not get any emails showcasing that the documents were recieved. 

Then, I got the email inidicating the futher information required and I submitted the information on the same day. THIS WAS ALREADY MORE THAN 30 DAYS LATER. 

I got the debit card 5 days later and I funded the account the very same day. I called the agent and they said I would still qualify for the bonus as the delay in creating the account was on Citi 's side. However, I did not recieve the bonus. I have called 8 times and keep getting transfered to different agents. No one has resolved this issue and they keep punting the complaint by asking me to call in 30 days. 

This is pure fraud and they are taking advantage of the customer. I know of 3 other people that faced the same issue because citi delayed their account creation.

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 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2021 I called to get my free annual Credit report and they are giving me all kinds of excuses and not helping with me solve my issue. 
Im experience hardship and Im trying to get a place to live. 
Was homeless for the pass 3 years And Im trying to get my life back to some what normal. 
Its incredible how they make things hard for a person to get their life back.

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 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: MI

Complaint narrative:
This dept is a result of Identify theft. On XX/XX/2019 I faxed 17 pages to XXXX as requested by XXXX to resolve this. XXXX is in clear violation of the Federal fair credit reporting act! Under 609e I asked XXXX to provide me all records of this transaction under ID theft laws of 609e. I received nothing. Also under Notice To Furnishers 623a XXXX violated my rights under duties when ID theft occurs. I see GC services on my credit report for the dept. This is the second round of XXXX  turning this same debt over to other collection agencies for a Dept that was deleted last year from all Credit reporting agencies and the XXXX XXXX XXXX that was the dept collectors last year all this was deleted I thought I was all set. Well fast forward to this past week I see XXXX sold this same dept they know is ID theft and was deleted last year to I see GC services on my report and XXXX! XXXX deleted this as of today I received email XXXX off my credit report now we are down too GC services I see on my report. XXXX Is in clear violations with documents I'm attaching again to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have been going back and forward with CASH APP about a charge back onXX/XX/XXXXfor XXXX I was told " We opened a dispute claim with the card network because the merchant forced your Cash balance negative when the transaction captured initially. Based on the details provided by the merchant, they awarded the claim to the merchant. '' But the merchant provide me with poof that they sent the money back to cash app now cash app is saying its nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp
State: FL

Complaint narrative:
A leasing company in XXXX Colorado forced me to sign in to a visitorlease that only lasted a month and all visitors were supposed to fill it out. While visiting a friend at his apartment complex. When I signed the paperwork so I could park my vehicle at the property without it being towed away. Come to find out the paperwork they MADE me sign was attaching me to the actual lease and now are charging me for 4 months of a lease. I was there for a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
I requested pay foo amount on XX/XX/XXXX. I dent a check on XX/XX/XXXX for that amount. Mu payment have not been processed and they are still taking payment from my bank account. 

I faxed the proof of payment being received at their office. Still took from my account XX/XX/XXXX payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I refinanced my VA loan with Freedom Mortgage ( VA streamlined ) and closed on XX/XX/XXXX to lower my mortgage rate only - no cash out. I never received an accurate closing disclosure in advance and only received it at closing. The entire process was chaotic and two loan disclosures provided in advance were not accurate. 

Now my current problem involves home owners insurance. At closing, the company added the full annual amount of my homeowners premium to the loan principal since the renewal premium ( {$1600.00} ) was due on XX/XX/XXXX. ( page of closing disclosure showing premium added to loan principal attached - amount circled ). However, the amount was not added to my escrow account, nor has the payment been made to my insurance company. 

I have emailed Freedom Mortgage twice about the problem : XX/XX/XXXX and XX/XX/XXXX. I received automated responses but never received an answer to my inquiry. Multiple phone call attempts have been unable to reach anyone or unable to achieve any resolution. I have spent more than an hour on the phone today being passed around to different departments with no resolution ( customer service to insurance department to mortgage department, being cut off, starting over, again to customer service to insurance, where I have now been on hold for more than 25 minutes after being asked to wait 2 or 3 minutes while she checked with mortgage department ). 

As of XXXX ( EST ), XX/XX/XXXX, this premium has not been paid to my insurance company and I AM CONCERNED THAT MY INSURANCE WILL LAPSE. 


Thank you for your assistance

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 2021-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: FL

Complaint narrative:
A few months back a was contacted by a company called revco solutions from XXXX Ohio, they said I was in collections for some unpaid deductibles from my Dr. because it was the charges were from over a year ago and Because I had changed insurance companies and 'even though I thought it was wrong.. I paid the debt to avoid any damage to my outstanding credit score. Well a few months later I received a similar letter stating that I owe money again and this time I knew it was bogus!. So I sent the company a certified letter stating this fact and within a month they sent me another letter saying I owed the funds which is completely FALSE. Whats is my next step?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
My loan was transferred from XXXX XXXX to Fifth Third Bank in XX/XX/XXXX. I received a bill from Fifth Third Bank dated XXXX XXXX stating a payment was due on XXXX XX/XX/XXXX. I mad the XXXX XXXX payment with XXXX on XXXX XXXX unaware that my loan was being transferred. Fifth Third bank got an earlier computer transfer of data from XXXX that did not reflect the XXXX XX/XX/XXXX payment posted on XXXX XXXX. When I received my 1st bill from Fifth Third Bank reflecting the payment due on XXXX XX/XX/XXXX I called them ( XXXX XXXX ) and was assured that this would be corrected. On XXXX XX/XX/XXXX I again called Fifth Third Bank and no correction had been posted. The payment date, escrow, insurance, interest were all still incorrect. They said I had a problem and would be charged a late fee and a ding on my credit and it was not their problem to solve. I again called XXXX XX/XX/XXXX on XXXX XX/XX/XXXX and they indicated they had the correct data and that they would resend. Problem still pending as this was generally what I heard on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: WV

Complaint narrative:
I applied for a convention mortgage for a purchase with quicken/rocket mortgage in late XXXX. When a closing date was set for XX/XX/XXXX I requested to see my closing disclosure on Friday XX/XX/XXXX. I had not seen an updated Loan estimate since application. When I contacted the closing specialist I was provided with a snap shot of the loan details. Such as loan amount interest rate and first payment date. I also have a screen shot of what information there was. However I had specifically requested to see my closing disclosure so I could see exactly what the fees where. I was then advised I would see that at closing. I quickly protested that I wanted to see my closing disclosure which I should be provided 3 days before closing. After several phone calls, I was sent the closing packet that included my CD. My CD was incorrect as I did not want escrow which I had communicated before we ever went to a closing team. I told my closing specialist she would have to check on that. I never heard back until XX/XX/XXXX. In which I was told the wire had been sent and it couldnt be changed. I believe this was a ploy to pressure me in to closing. However, I said that my loan documents were not right and I wouldnt sign incorrect documents. At that point I was told they would recall the wire and work on removing the escrow. As of today XX/XX/XXXX I have not heard anything from the closing specialist. When I log in to my account it shows my loan has closed and that I owe them a payment as of XX/XX/XXXX. I have also received a XXXX for a loan I do not have. As of today XX/XX/XXXX I have been on the phone with the company for over two hours with no help or resolve. I am extremely upset over their customer service as well as their poor transparency in making sure I see necessary documents such as the loan estimate and closing disclosure. Not to mention the loan that I am showing due for that I didnt take.

Company response to consumer: Closed with explanation