vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am unable to obtain a payoff statement from Bank of America. I have requested a pay off statement online, over the phone and in person. Bank of America has not provided a payoff statement, and I am unable to speak with anyone who is able to provide a payoff statement. I even went into the local Bank of America branch where a nice lady worked for over an hour to find someone who could generate a payoff statement, but ultimately, she was unsuccessful and sent me home. 

It seems unfair and abusive for Bank of America to not provide a payoff statement. It seems that they are trying to force me to keep my mortgage and pay more interest to them. If they are unable to provide a statement soon, my closing will be delayed, which will result in Bank of America making additional money. This unfair and abusive business practice should be illegal ( or maybe it is ).

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 2020-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Hi, I am a customer of HSBCnet and I have a business account, in order to log in to my account I must use a security device that generates pass code, on XX/XX/XXXX my security device went dead, I reported this to HSBC and they promised to ship me a new device. It has been 2 weeks since I requested this device and my business operations completely stopped, I can't pay for merchandise, I can't do anything. I have been on the phone with 3 different CS and all of them told me that my devise should arrive soon but nobody could provide any tracking number. 
I am still locked out of my funds, I have losses and I have to pay penalties for not making timely payments and wires and yet nobody cares about it at HSBC, it is a SHAME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
I have attached a response letter to further investigate the response letter from Hunts & Henriques on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: IA

Complaint narrative:
I had a bill for {$900.00} owed to XXXX XXXX XXXX. I paid this bill directly with XXXX on XX/XX/2020. 

On XX/XX/2020, Diversified Adjustment Service Collections reported that I owed them {$900.00} to all 3 major credit bureaus. They reported this incorrect information after the date that the bill had been paid directly with the original company. This is a violation of FCRA. This lowered my FICO score by 24 points. 

I called Diversified Adjustment Services to dispute this credit reporting. They refused to help at all. Refusing to update incorrect information on a credit file after being made aware of it is another violation of the FCRA. 

Diversified Adjustment Services sent an update to the credit bureaus on XX/XX/2020 stating that the account had been paid. They did not put a note that this account is in dispuite. This is another violation of the FCRA. This further lowered my FICO score by 14 points. 

This account should never have been reported to the credit bureaus in the first place and the information should have been immediately removed after they were made aware that the reported information was incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2020 I deposited a check from You, Office of the Illinois Attorney General. 
I noticed that when I made the deposit that Bank of America made No funds available to me that day which I needed a portion of. I called BOA and spoke to an agent who informed me he could not help me and the funds would not be available until Today, XX/XX/2020. I called back again and BOA would offer me not further assistance. Here it is XX/XX/2020 and I have already paid my health insurance for {$600.00} because BOA said the funds would be available today and they are not. I called BOA immediately only to find out that they said they could not trust that you, the Illinois Attorney General, would have the funds in the account. I said the agent Tuesday told me that these funds would be available today. I said now my check will bounce and I will get hit with a {$35.00} fee for that and other transactions. I was told there was nothing they could do. I asked to speak to a BOA Supervisor who said that the first agent should not have told me the funds would be available. The Supervisor said there was nothing they could do for me because their processing dept. pushed the date out of the XXXX now because they did Not feel the Illinois Attorney General would have the funds in the account. I never heard anything so ludicrous. The Illinois Attorney General would not give me a check that was no good. I am a senior citizen and I am in tears again because of BOA. I need these funds in my account today as originally promised. I am sickened by the way BOA treats seniors and their lack of empathy for my situation here. I want the people of Illinois to be aware of what they did and how I was treated by this bank. I have been lied to, treated unfairly and BOA does Not assist in giving me any help whatsoever.

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 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
This debt was added to my account as collection on XXXX of this month I have file paperwork to let them know my identity was compromised. Agency has used tactics such as threatening lawsuit or jail time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: THE MONEY HOUSE, INC.
State: PR

Complaint narrative:
My rights were denied.the mortgage company appointed my closing lawyer ( agent ) I never knew who my representative was, until the XXXX before the closing when he called me.He never identified himself as my closing agent.I was assigned a hazard insurance policy generated by the mortgage broker.A stripped down policy that covered only {$160000.00} of a {$190000.00} purchase price.Ironically the closing agent sold the ( XXXX XXXX ) policy.This a form of liability which protects the homeowner from lawsuits against the property.Closing documents were given to the realtor without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a credit report from XXXX  XXXX XXXX XXXX XXXX, an XXXX XXXX company, today. 
This report is a compilation of XXXX, XXXX, and XXXX credit summaries. 
On two reports ( XXXX  & XXXX  ) my ratings dropped 113 points and 140 points respectfully. The XXXX  rating increased from an XXXX points to XXXX points! 
After speaking with a representative from XXXX XXXX XXXX, I was informed that the significant decrease in two reports was a result of a Capital One reporting a negative credit report. 
I am filing an appeal to the credit reporting agencies to correct this egregious error in my credit reports. 
I cancelled my Capital One card many months ago but they compounded a very small amount I owed into over a {$100.00} debt. I paid them that usurious amount in order to be rid of Capital One. 
Some federal watchdog unit should keep an eye on them in order to prevent the public from such fees. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Since I received my Escrow Account Disclosure Statement in the mail on XX/XX/2020 I have attempted to reach Bank of America Mortgage customer service. I have attempted too many calls to list here during the weeks since. I have tried calling before XXXX XXXX  CT ( they open XXXX XXXX ET ), at XXXX XXXX   CT and never am told how long the wait time will be. I am on for 60+ minutes. They were going through a system upgrade a couple weeks ago, got someone on the line, and was told to call back the following " Monday '' and I will be able to speak to someone. 
I need to speak to someone to help me with a payment for my escrow account to prevent my monthly mortgage payment from going from up to an amount I can't afford each month. Well, that amount has gone up because " I '' didn't meet the deadline ( this wasn't my fault ). They don't answer their phones!!!!! 
Also, I contacted the mortgage department during XXXX of this year to look at refinancing, spoke to a mortgage officer who was in XXXX, gave her all of my personal information over the phone and she NEVER called me back. Very unsettling. 
This is a very simple request and they make it so hard. 
I don't care how many mortgage loans they process. They can do better than this. I would never refinance or finance amortgage if I knew it would be with B of A. 
I tried to go online but didn't have an account set up and now have to wait for a letter to come in the mail so I can access my account. 
I am concerned for their employees and for their borrowers in a much worse financial situation who have to deal with this. 
This has been the most frustrating customer service experience ever in my life. I understand much of this is due to COVID 19 but mortgage companies have got to be better than this.

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 2020-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to transfer money from my Chase bank account to my XXXX XXXX  account. I had to set up an external transfer since I didn't have one before. Once everything was set up, I transferred {$5.00} from Chase to XXXX on XX/XX/2020 to see if the account has been set up correctly. Everything looked fine, so I transferred {$1900.00} on XX/XX/2020 from Chase to XXXX again. XXXX showed they received {$1900.00} on XX/XX/2020. Per Chase 's request, I had to go to a Chase branch in person to make this transaction happen, which I did. Chase told me the verification had been done and the transaction should be complete in a couple of days. Somehow my XXXX account was deducted {$1900.00} ( including {$5.00} transferred on XX/XX/2020 ) by Chase? The transaction was never made!! 

For a very simple transaction Chase made is super hard and helpless!! I went to a Chase branch they told me it may take some time to see the transaction because of Covid-19. I called Chase customer service and they told me the transaction had been completed from their end and nothing they can do about it. They told me to call XXXX instead. ( I had to hold my phone call for long time and they transferred me to different dept and NO one could give me the right answer ). I called XXXX they told me Chase who is the one took out the money from, I should talk to Chase!! They both kick me like a ball and they can't help. 

I have filed a dispute with XXXX. I have not heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: VW Credit
State: NY

Complaint narrative:
On XX/XX/2020, it was reported that VW Credit INC had closed my account and then added a note. This is reported on my credit report and it is incorrect. My account is active and open. I have ten payments until my lease is over. My next scheduled payment is XX/XX/2020. Also, a note was added which I am not able to see, but on my report, it shows my payment for XXXX is " unknown '' but for XXXX and XXXX its current. This needs to be corrected immediately. I made two full payments for the month of XXXX which is why my next payment is not until XXXX. This is a lazy example of VW Credit inputting wrong data and not verifying nor double-checking. 

My payments for XXXX, XXXX, and XXXX were deferred but I made payments on XX/XX/2020, for {$350.00} and on XX/XX/2020, for {$770.00}. My statement for XXXX had a balance of {$0.00} and my next payment is XX/XX/2020 for {$770.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Paypal Synchrony PAYPAL CREDIT/SYNCB XXXX XXXX XXXX XXXX, FL XXXX I have three parts of the bill : standard purchases, promotional purchases, and easy pay contractual agreements for a fixed payment each month. The company policy is if a consumer wants to allocate payment a specific way, a consumer must call in and request an allocation of funds. On XX/XX/XXXX, I called XXXX in and spoke with a Paypal representative ID XXXX. All conversations should be recorded, as I was told. I made a payment of {$490.00} and ask to allocate the money as follows : 1. {$130.00} to close all my standard purchases ( meaning that balance that incurs interest should be XXXX  ) 2. {$40.00} to easy pay ( the initial agreement is {$40.00} on the XXXX of each month ) 3. {$320.00} to cover promotional charges. Paypal/SYNC took the money but never allocate the funds as requested. I called in on XX/XX/XXXX, and spoke with agent ID XXXX, then XX/XX/XXXX ( agent ID XXXX ),  then on XX/XX/XXXX ( agent ID XXXX ), and then XX/XX/XXXX spoke with XXXX. The requested allocation never occurred as requested. Only promotional charges were covered and the rest of the money went to easy pay account still leaving the standard purchases intact. Today, I received a new statement, and the bill shows that I still have the standard purchases of {$130.00}, meaning that interests were charged. I called PAYPAL/SYNC several times and sent them letters ( I also have copies ), but nothing has changed. It looks like SYNC is overcharging consumers or do some other actions that confuse consumers. I need SYNC to allocate payments as requested and stop charging me unnecessary interests on the purchases that should be paid on XX/XX/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 monetary relief
Consumer complaint received 2020-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I did a loan with them because i was truly in a bind, when i went to them, a young guy helped me and asked me if i wanted insurance on the loan and i told him no. He proceeded to ask me about possessions that i had in my home and added all of it on there. Unknowingly to me, that was him adding insurance to the loan that increased the payment of the loan. Once i was told of the first payment, i was confused and called to complain. The manager at the time wasnt helpful at all by the way. Also when i missed payments, they called and harassed me and the individuals at my job, giving them my personal information. They informed my coworkers that i owed them and that i was months behind and i could go to jail. That was an invasion of my privacy and my coworkers can attest to them giving out my personal information

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 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/2020, I made two deposits between XXXX to XXXX at ATM which belongs to Chase brunch ( XXXX XXXX XXXX XXXX, XXXX WI ). I  first successfully deposited {$2000.00}, and then made second deposit around {$1400.00}. Then, the ATM had problem occurred and gave me one receipt that said the ATM had problem occurred and asked me to call a number to make deposit went through. 

I followed that instruction but Chase bank only located my first {$2000.00} deposit, and are not able to locate my second deposit. 

I were dealing with Chase bank in the past month and they insist they can not locate my second deposit, As a customer, what can I do or say?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I previously contacted CFPB, regarding New Jersey class not notifying the credit bureaus that my Student LoanS have been paid. I have one final loan that needs to be paid to the debt collector they chosen to represent them. XXXX XXXX is the attorney used to collect the debt for New Jersey class. The attorneys XXXX XXXX does not report my payments to the credit bureau. New Jersey class has sent a notice saying that my final loan payment was late. If XXXX does not report to the credit bureaus how can New Jersey class say that my payment was late? My last loan payments are made monthly every month. I believe New Jersey class is retaliating against my filing a complaint against them. Theyre reporting my last loan payment as delinquent. If the account is in collections, and I making the payments every month, to XXXX XXXX, how can New Jersey class say the payment is late when they dont report to the credit bureau. This is a clear case of retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I notified NCB Management Services Inc, that I never opened any account with this company. I was informed that they had received my dispute letter, my drivers license and my social and the police case number and that I would receive an affidavit in the mail. Well, I continue to call every 7-10 business days and each rep would claim the affidavit was in the mail. I never received the affidavit. On XX/XX/2020, I called again and the guy who answered the phone stated that he was reading from his computer accusing me of having this debt after I stated several times that my wallet was stolen and my identity was compromised. This company has chose to ignore all my law enforcement documents. This is not my account and it is causing a true hardship for me and my family. This company is saying I owe them {$7000.00}. 
I am a victim of fraud and identity theft and this company is trying to force me to pay for something I never took possession of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
On or about XXXX XX/XX/2020 I moved. I transferred my internet provider account from address " A '' to address " B ''. XXXX XXXX upgraded my modem, which they mailed to me due to COVID. I mailed their old modem back using the instructions given. XXXX alleges the old modem was not received, and their attempts to contact me at my old address were unsuccessful ( unsurprisingly ) ; I had an active XXXX account at my new address during the 120 days they attempted to contact me. I received several email phone and mail correspondences with XXXX during this period ; ergo they obviously knew how to contact me. 

I received a collection action on XXXX XX/XX/2020. I attempted to rectify this situation both with the collection agency and XXXX without success. I find their business tactics deceitful, poor and overall dishonest. 

I request relief. 

Respectfully submitted.

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