vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: NY

Complaint narrative:
I checked my account before I paid my XXXX  bill and noticed 17 unauthorized transactions amounting to {$320.00} I called Direct Express on XX/XX/2020 when I noticed the charges and I was told there was nothing they can do until the charges cleared my account. I called back on XX/XX/2020 and started the dispute and cancelled my card. I was either hacked or one of the websites I shop on or pay my bills on was hacked. I pay {$35.00} a month on XXXX XXXX for my cell phone. I pay between XXXX and XXXX dollars a month to XXXX  for my TV and internet service. I pay {$12.00} a month to XXXX. I pay {$5.00} to XXXX and I pay {$14.00} to XXXX for my XXXX  membership. I shop on the following websites, XXXX, XXXX, XXXX, I bought a VPN from XXXX, I bought a subscription on XXXX which was my last card purchase. I tried to purchase a guitar from XXXX but the order was cancelled due to my card being cancelled and no funds in my account because they were stolen. I also filed a police report on XX/XX/2020 with the XXXX Police Dept. The report number is XXXX I also started a dispute with XXXX on XX/XX/2020 for the 13 charges of {$25.00} for XXXX XXXX XXXX XXXX XXXX Ca in the total amount of {$320.00} The XXXX Dispute Claim Number is XXXX. XXXX says it takes up to 12 days to investigate. 
I did receive the four XXXX dollar charges back to my account. The following 4 charges were returned to my account XX/XX/2020 XXXX XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX  XXXX XXXX  {$1.00} I swear on the XXXX with my right hand and to XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX that I Did Not Make these charges and I will do whatever it takes to get to the bottom of this or to solve this List of all unauthorized transactions below Transaction Date Merchant Name Amount XX/XX/2020 XXXX XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX  XXXX XXXX {$1.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After carefully reviewing my credit report, I noticed a some inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. 
XXXX, XXXX investigated the following inquires below and have decided to delete these inquires from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
1. ) Remitted payments to Bank of America every two weeks since the inception of the mortgage payment that equal an amount that is above and beyond the minimum amount due.

2. ) I have to call to request to the have the payment reapplied every month.

3. ) In XXXX, XXXX, XXXX and XXXX it took 20-23 days for the payment to reallocated. 
4. ) I remitted payments on XX/XX/21 {$900.00}, XX/XX/21 {$900.00} and requested they be reapplied to our minimum payment of {$1600.00} to satisfy the XXXX payment.. 
5. ) XXXX I received 4 phone calls in one day to let me know my account was past due.

6. ) After speaking to a competent supervisor, on XXXX I was advised that they made an error in requesting my payment be reapplied and only included 1 payment of {$900.00} 7. ) XXXX I received a call from XXXX ( supervisor for XXXX NC ) to let me know they are working on the matter. XXXXXXXX XXXX I receive another call from to advise that the account is past due ( XXXX XXXX. ) In total 6 phone calls in a two day period. 
There is sufficient funds to cover, interest, principal and escrow and yet I am being harassed. 
8. ) Bank of America collections agents believe that it legal to call someone up 4-6 times in one day. 
9. ) I have spent roughly 20 hours of my time trying to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Due to covid19 I fell behind considerably on my mortgage. At the same time I had an home owners insurance claim pending for water damage and other issues. I was eventually awarded {$45000.00} on the claim. As required, I immediately sent the check to Freedom Mortgage on XX/XX/2020 who is my mortgage lender and explained to them that it would take approximately {$25000.00} to do the repairs In my house and I would like to use the rest to bring my delinquent mortgage current. To this day I have not received any of the money to start the repairs on my house despite sending all the additional documents that Ive been asked to send pertaining to my divorce. I was told that my ex wifes name would have to be included on the check. I sent them a document showing my ex wife had assigned over the insurance benefits to me. They asked me to send in the divorce decree showing I was awarded the property during the divorce. After I sent that it still wasnt good enough so I asked them to just go ahead and put my ex wifes name on the check and I would work it out from there. I was told no, they cant do that, but the hold issue was that the check must have the ex wifes name on it. After exhausting all my efforts I decided to make this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I've been making extra payments every month, intended to be placed against the principle owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBM Services, Inc.
State: MI

Complaint narrative:
On XX/XX/2020 Thumb cellular sent me a letter saying I owed XXXX dollars. I started sending them payments. They said they wanted the full amount paid by XX/XX/2020. I responded to them, asking for a copy of my contract. I got the contract and then responded back to them saying there was no stipulation in the contract saying I had to pay in full by any date. Them I got a letter from CBM Services Inc on XX/XX/2020, Which is a collection firm. I sent them the same letter. Telling them to get a copy of the contract and read it over. Telling them also there was nothing stating I had to pay this in full all at once. I would continue making payments. I never got anything back from CBM. Now I see they put this collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Barclays Bank and US Dept of Ed/XXXX. The Account Opened is Barclays Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00}. The Account Opened is US Dept of Ed/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/2020 I contacted BofA to report unfamiliar charges on my credit card for the total sum of {$500.00} dollars all from a company called XXXX  and all in consumable takeout food. I am XXXX years old and have been a client of BoA for 11 years and never have I charged {$500.00} dollars in takeout food or any food services. I reported the FRAUD to BoA right away and charges were initially reviewed. BofA Fraud claimed that the charges were valid only because XXXX dispensed the food to someone ( not me ), They did not investigate where the deliveries were made to or signatures or anything else. The investigation was poor at best. Never was I called texted, emailed, or letter received to reflect the decision. I called BoA and foud. out that way. Reopened the second complaint of XXXX  and to this date have never had I received a phone call from BofA to express their decision of accusing me of committing this fraud. I was devasted, and it was affecting my credit. In an effort to save y credit I have been paying minimum amounts just to save my credit. BoA is at fault for not removing these charges and leaving my account at its maximum credit limit of XXXX when I never charged those charges and after 11 years they rather believe and side with the merchant than with me as the victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I signed up for a XXXX account to help boost my credit score but this company has done more harm than good to my score. I had downloaded the XXXX app and tried on 4 different occasions to make a payment towards my account but XXXX  couldnt connect to my bank account nor would it allow me to make a payment via credit or debit card. I tried calling the company but they keep saying no one is available to take my call and try again or send a email. When I sent a email i was told it would take 7 days for a reply and now they are reporting my account 60 days late when it was their fault

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I send several letters to this debtor and they refused to remove the negative mark from credit report and refuse to properly validate that the debt is owe to this agency. The statue of limitation in the state of Florida is 5 years for debt collection they failed to identify themselves with license to collect in the state of Florida and they refuse to provide proof of signature and ownership of the debt. They violated the XXXXederal Credit Right Commisions Act prohibitions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I deposited an out of state cashiers check for {$950.00} to my local Chase branch and the cashier put the check under a light and then thru a scanner. The funds were immediately available in my account with no hold. A couple days later the check reversed, leaving my account overdrawn. When I called Chase today to inquire why they reversed the deposit, the rep said that the cashiers check was altered and refused to accept. The rep was rude and basically told me it was my own fault for not waiting to use the funds. 

Our Attorney General suggested that I contact you about this situation because, Chase should be able to provide protection, since their teller checked its authenticity twice ( under light and thru scanner ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
America first credit union is showing incorrect information on my credit report, It is showing a late payment for XX/XX/XXXX. The balance has been at XXXX since XX/XX/XXXX. I paid the full amount due of {$150.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
I don't know who this company is. I reached out to them on multiple occasions and there was no response. This is hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield ( XXXX XXXX XXXX XXXX, XXXX FL, XXXX ) wrote a letter to me indicating that they are collecting a debt on behalf of XXXX XXXX XXXX in the amount of {$330.00}. XXXX XXXX XXXX is an apartment complex based in XXXX XXXX, Texas. 

I called Hunter Warfield and asked what info do they have linking me to this account to which they supplied my Name, Date of Birth, and Social Security Number which is off by a digit from mine. Therefore, this fradulent charge is not related to me. However, they still proceeded to report this to the 3 credit Bureaus, which has negatively affected my score. 

I relayed to Hunter Warfield that this is fraud as I have only resided in California. I filed and supplied Hunter Warfield with 1. a police report from XXXX Police Department indicating that this is Fraud 2. a copy of my Driver 's License. 

Right now, Hunter Warfield is insisting that I need to supply more information to remove this from my file. Please assist to help me fix this fraudulent claim. 

Further, Hunter Warfield should validate all information before claiming to collect a debt that is not assigned to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I submitted a dispute to the credit report agency XXXX XXXX, XXXX and XXXX. I requested an extension deferral on my car loan with XXXX in XX/XX/XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank overdraft fees are excessive and arbitrary. The bank has charged me {$980.00} from XXXX to XXXX even tough they are very aware that we are in the middle of a pandemic and for many people income has been reduced. 
Additionally I never agreed to have overdraft protection with my ATM, I don't see why it should be any different with checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
The bank failed to apply the statutory provisions of payroll costs under the CARES act ( viii ) the term payroll costs ( I ) ( ... .. and ( bb ) the sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, net earnings from XXXX or similar compensation and that is in an amount that is not more than {$100000.00} in 1 year, as prorated for the covered period ; and Instead sought ONLY item 4 net earnings from XXXX as payroll costs ignoring the sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, ... or similar compensation entirely. It also demanded payroll costs not required under SBA guidance. If a borrower is using the same lender and same payroll timeframe as it used for its First Draw PPP Loan and already submitted the required payroll documentation to the lender, no additional payroll documentation is required to be submitted [ emphasis added ] with its Second Draw PPP Loan application. 

And blamed other employees rather than explain or follow the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Toyota Financial sent a bill on XX/XX/2020 advising me I owed Personal Property Taxes on a XXXX. 
I do not possess the XXXX, having traded it in for a XXXX XXXX in XXXX. 
Later correspondence showed the personal property taxes for due for a XXXX in XXXX, VA. 
I do not live in XXXX, Virginia. I live in XXXX XXXX County Va and have paid personal property taxes there. 
I have never been to XXXX, Virginia. I do not do business of any kind in XXXX, Va. 
Yet. Toyota Financial will not accept that explanation and have threatened me with turning this matter over to a Credit bureau. 
My file # with Toyota Financial is XXXX I have tried to resolve this issue with them. They use the internet to correspond and accept my comments. 
Today, XXXX XXXX, I spoke with XXXX, on the Toyota phone # for consumers, and explained the problem. She said she would " try '' to expedite this issue so to avoid any collection company issues. Trying does not work for me. 
I consider this harassment. Their inability to find the right person to bill for the Personal property taxes in XXXX Virginia. Is causing me great pain and suffering. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LJ Ross Associates
State: WI

Complaint narrative:
I didnt sign no contract with them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation