vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
It appears bank is taking money out of my checking out. For the last 3 months, Suntrust bank has not sent the my mortgage payment amount to the address instructed on Bill Pay. We have managed to pay it eventually, but I have incurred {$500.00} in late charges. included is one time they did not even send a check, instead accused me of cancelling my own mortgage payment. For the month of XXXX, the funds have been withdrawn out of my account, but the Mortgage Company did not receive the check!! Trying to work with the local office, Suntrust At the XXXX, is impossible with various emails and phone conversations producing not results. All they do is refer to an 800 number which I have called before, and they assured me they would put their " best people '' on it, and take care of the issues. this has not happened, now money is missing out of my account. 
Bottom line is funds are gone from my account, and would like to report potential Fraud. Suntrust/Truist Bank service model is the worst you can imagine!

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 2020-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Sometime in late month of XX/XX/XXXX I requested an extension for two months of paying my monthly car loan with Chrysler Capital Finance and it was approved to skipping XXXX and XXXX payments and first payment starts on XX/XX/XXXX. I made payment for XXXX, but my payment applied for XXXX which they reported as late payment to the credit bureaus and add late payment charges on my loan amount. The following month which is XX/XX/XXXX, I made two payments which double my monthly payment and all of it was applied to and interest alone and no payment for XX/XX/XXXX if I can recall. There after, although I am making payment on time, I am being reported to credit bureaus as late payment and being charged extra interest added on my loan. This is not the only time I am having problems with this company. In the year XXXX and XXXX, I did also requested the same extension and was granted and did the the same thing. My original loan was at {$24000.00} and my schedule payment is {$660.00} per month and I am still owe a balance of {$21000.00} as pay off. Now my account is in charge off since XX/XX/XXXX and the car is the process of being repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc.
State: VA

Complaint narrative:
I am trying to settle a debt that I have no idea where it came from. The company said they cant offer me a lower amount and I dont have time to continue to play phone tag and keep trying to explain I was a victim of credit theft. I filed a police report and put a freeze on my social security number because of this and other stuff. This is attached to my social and my husbands social. Instead of debating with everyone, I just asked to settle the account. But paying over {$3000.00} is ridiculous when I dont even know what its for. 
The woman at the company was very nice but she said she had to follow policy and that was to only offer me 20 % off. That is insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: VA

Complaint narrative:
The amount of {$14000.00} was reported on my credit report by Cedars Business Services I do not have any knowledge of this account. It does not belong to me. I request it to be removed and deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX  called my job XXXX from this number XXXX wanted me to pay her over the phone,. she also told me if i didn't I pay she could damage my credit for life and that i needed to pay her or by calling XXXX. I told her she was going to get me fired if she kept calling my job and demanded her to stop calling my job. she called again, shes been calling since XX/XX/2020.

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 2020-08-25 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery stated that once the balance was paid this item would be removed from my credit report. Instead of removing the item, they reported this account as settled TODAY. Instead of simply removing the item from my credit as a promise. A letter stating paid and agreement to remove is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I paid for a good that was never delivered. I found out the good would never be delivered a day after paying for it as the seller stopped responding to me and showed upon further research on a list of known bad actors. On XX/XX/XXXX I alerted my bank ( TD Bank ) to file a dispute. They started a claims process, and credited my account provisionally. 

This claim was ultimately reversed on XX/XX/XXXX, 62 days after the charge was made. 

I called the bank several times over the next few months to get insight into what happened. In one conversation, the agent made clear that the charge had been erroneously flagged as fraud, rather than as a dispute for goods undelivered. She suggested I file a police report and fax my statement and relevant information to the bank 's claims department, which I did on XX/XX/XXXX. I heard nothing, but assumed another few months time may be warranted, given the last review took 62 days of silence and waiting. 

On XX/XX/XXXX, after giving the bank ample time, I called again. The fax had not been reviewed, and a new corrected claim had not been opened. I had to speak to yet another agent, who resubmitted the claim, presumably correctly, then fax the forms again. I was re-credited on XX/XX/XXXX. I was then later asked for further information, which I provided in detail on XX/XX/XXXX. This suggests that content, not timing was the issue. 

On XX/XX/XXXX, I received a letter stating that " The customer must notify the bank of an error, orally or in writing, no later than 60 days after we send the periodic statement. '' I notified the bank far sooner than 60 days after receiving a statement, I notified them 3 days after the charge in question. Moreover, I could not have notified them that the dispute had been mishandled within 60 days of the charge in question, as the rejection of the claim was submitted to me 62 days after the charge was made. 

Upon speaking with an agent on XX/XX/XXXX, his admission was, 'The only reason that we weren't able to credit you is the 60 day window elapsed. ' I could not have observed the 60 day window if I wanted to, due to the flawed dispute handling and laggardly behavior of the bank. 

By no account is TD Bank upholding their own rules, nor are they acting in a timely manner or in good faith. I would like my money back, and for my time to not be wasted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
In XX/XX/XXXX I discovered my identity had been stolen. I immediately placed a hold on all credit reporting and reported the theft to the FTC. I am now ( XXXX XXXX ) trying to refinance a house and after seven attempts starting XXXX XXXX I have been unable to get Equifax to temporarily lift this freeze. Equifax is abusing its near-monopoly position and this delay, if unresolved, is going to cost me tens of thousands of dollars because of higher interest on an existing mortgage in comparison to the refinance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Service of Nevada
State: NV

Complaint narrative:
XXXX XXXX is a rip off. I had nothing but plumbing problems. The thermostat heater went out for 2 days in the middle of the winter period the people that live there are scum bags. The charges that XXXX XXXX is charging everybody is over the limit that there supposed to charge. The maintenance on the property was extremely poor. In I'm not gon na pay this bill to the collection agency because I do not know it.

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since Covid 19 struck in XXXX of this year, I've been unable to work. I reached out to Capital One customer service in XXXX to see how they were supporting those of us who were negatively impacted by the virus. I spoke to two different reps who all told me the same thing ... they were changing the minimum payment to {$0.00} instead of {$25.00}. At first, I thought that they were kidding, but no, that was their big offer to help those of us out of work. So, the bank would make more $ $ because our total balance would be higher! I wrote a letter to the president expressing my dismay and disappointment in the company. 

Then, yesterday ( XX/XX/XXXX ), I called customer service again because I realized that I had been charged {$59.00} for the annual fee. I called to let them know that I'm still out of work, and asked if they could waive the charge. I again spoke to two different agents and both said no. 

I will now be closing my account because this company doesn't deserve my business. I really don't know how the execs sleep at night.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC

Complaint narrative:
On XX/XX/2020, I closed on the refinancing of my house with PennyMac Loan Service, LLC. On the closing disclosure signed that day, I was due to receive {$630.00} and the payment would be disbursed on XX/XX/2020. I was informed several days after closing that I owed money. Then was told a day later that I didn't owe money -- that they had been in error -- and that I would receive a lender credit of {$630.00} and the payment would now be disbursed on XX/XX/2020. 

On XX/XX/2020, a post-closing disclosure was sent, and it had me only receiving {$0.00} cents. This disclosure was never agreed to or signed by me. The payoff was sent that day to my current provider PennyMac Loan Services ( yes, same company -- they are were the current servicer of my loan ). When called Penny Mac to find out what happened, I was told by XXXX XXXX ( my loan specialist )  that again an error was made on their part and that I would be issued a lender credit of {$630.00}. 

For several weeks now, since XX/XX/2020 ), I have spoken with Ms. XXXX and emailed her 14 times since XX/XX/XXXX and this has still not been resolved -- the title company never sent me a check. 

Today ( XX/XX/2020 ), she told me to call the title company ( XXXX XXXX XXXX XXXX ) and I did. They said that they did not receive the {$630.00} and that they only sent a check for what was listed on the post closing disclosure ( never agreed to or signed by me ). She ( Penny Mac ) knows full well that the money was not sent and once again she is not responding to me asking why that money was not sent. I could go on and on about my troubles getting in touch with them, having them respond to me and never giving me a straight answer. 

Separately, I never signed a document or verbally agreed to permit with PennyMac Loan Services the escrow account of on my previous loan ( {$3200.00} ) to be used to pay off that loan. However, without my knowledge or approval PennyMac Loan Services went ahead and used this money to pay off the balance on the loan. I spent several hours on the phone with the refinance side and the service side only to be told there was nothing I could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
Dear Consumer Financial Protection Bureau Official, Red :  XXXX with American Express I submitted a credit application for an American Express credit card. On three occasions they called me by phone indicating that I should send documents to validate my address. On three occasions I sent a copies of recent personal documents such as a receipt for the water bill, a receipt for the electricity bill, and a receipt for the internet bill. In all of these documents my address was fully verified. However, they were again demanding more documents to make a decision. I have been in this direction for more than 15 years and I have an excellent credit history and I have an empirical of more than XXXX points. 

I have Credit cards from XXXX XXXX, XXXX and others principal US baos for many years, all in good standing. 


I am sure that this is a situation of pure discrimination because of my XXXX  condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
In XX/XX/XXXX I applied for a VA loan from Quicken Loans. Appraisal was good for {$99000.00}. I wanted to borrow {$79000.00}. Right in middle of the process, Quicken told me I could not be eligble for a 2nd VA loan. So they gave me an FHA loan for {$76000.00} with higher interest rates and {$5500.00} on unnecesary closing costs. I called it bait and switch. Loan # was XXXX. I then reapplied for a VA mortgage in XX/XX/XXXX with XXXX XXXX XXXX and to my surprise and joy was deemed eligible for a VA loan in amount of {$91000.00} with my appraisal of {$110000.00}. My VA loan # is XXXX. My complaint is with Quicken because I feel they erred and owe me some damages at least in amount of {$5500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect
State: PA

Complaint narrative:
I have asked the collectors from Americollect Inc, numerous times to please cease with the constant harassing telephone calls. 

I am a decorated veteran that had a XXXX in 2019 and spent 5 days in the hospital. I went in the hospital with no medical insurance. Various doctors came to see me sent me bills. 

While in the hospital I applied for XXXX insurance and was accepted. Lately I have been receiving calls from Americollect for 5 different bills from these doctors. 

They will not or can not use my XXXX insurance to cover these bills. 

I'm on a poverty level income and now taking medication for my XXXX condition. 

These calls are contributing to my XXXX.This company is disrespectful and abusive with their incessant calling. 

I've asked for these bills to be removed by Americollect due to my circumstances. 

They need to sanctioned for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, We ( 3 adults ) were planning to travel to XXXX in XX/XX/XXXX. So, we hired XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. After multiple mishaps ( not due to me ) they booked the ticket for cash. In between I checked my Chase online account and noticed series of charges were made by XXXX to the tune of {$9700.00}. So, I immediately E-mailed XXXX XXXX XXXX and they denied booking thru XXXX. So, I called Chase bank customer service number and lodged a complaint. The agent advised me to immediately deactivate my Chase card dispose off and issued me a new card. He also said he is turning over the case to fraud section pending investigation. 
On return from XXXX we were surprised to get a letter from Mr. XXXX and subsequently from MsXXXX XXXX, from fraud cell basically indicating that their investigation is complete and we are responsible for paying the {$7500.00} amount since we knew the travel site XXXX from based on our earlier transaction XXXX through the site. Later, on XX/XX/XXXX when we received our XXXX statement it indicated that X agency might have purchased these tickets ( which totals {$9700.00} ) but they also have fully reimbursed next day itself ( {$9800.00} ) specifically to my old card since destroyed. 
I have made multiple attempts to contact MsXXXX XXXX but to no luck. I even visited nearby Chase bank branch and they said only online person can help. Even, when I am able to get a person online he/she fails to understand my point of view and insists that I have to pay those charges. Initially, they were understanding and gave me a credit of around ~ {$2300.00}. But we booked 3 adult tickets. I am also XXXXXXXX XXXX and undergoing treatment at XXXX XXXX Hospital for my XXXX. As a last resort, I am writing to you to remove the charges {$4700.00} which has been already paid. Thank you for taking up my case. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I changed my Bank of America credit card account to autopay. I was not told that there was insufficient time for autopay to cover the next payment. So unbeknownst to me, the next payment was delinquent and reported as such. Three to four calls to the company asking for this to be corrected in my credit report were to no avail. It is the only late payment I have had in several years.

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for a Citi bank credit card And received a reply that they could not verify my address when I fact the address is recognized by the Fed govt,  Social Security, XXXX XXXX XXXX, state of Ga, my 3 credit card companies and My personal bank they asked for copy Of drivers license then then they wanted Proof that phone # was mine which I Provided then after all of this I wrote Them and they finally came back with The excuses that I did not have enough Open lines of credit ( even though the Lines I had open all reported perfect Payment history ) the lines of credit Were not old enough and horrors upon Horrors I had applied for someone Elses credit card To sum it up every time I met their re- qirements they came up with another Excuse A shabby way to treat a potential Customer and most unprofessional

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 2020-08-25 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: AZ

Complaint narrative:
It's my understanding that I may get weekly credit reports using XXXX. Otherwise, XXXX, XXXX, and TransUnion will only update once a month, if I'm lucky. I know that several items have been removed from my report and/or disputes have been resolved. I do not know, however, what the results of these disputes are nor have my online credit reports changed at all from XX/XX/2020. When I try to get these reports via internet or by phone, all 3 agencies are now stating that they can not give me this information. XXXX, the worst of all, claims that they have no such person in their database matching my name, SS #, and address. They are just lying. I was found quickly enough last year when I was found to be a member of the Class Action that was filed against XXXX for the release of my information. Trans Union 's excuse is that since I have an ongoing dispute, I can't see my credit report, including, but not limited to, the results of prior disputes filed. I have been very aggressive in going after these fictitious accounts lately, after spending the past few years having my XXXX XXXX and trying to recover. I believe during this period of time is when all this false information was added to my reports. The credit agencies seem to suddenly be either ignoring me or trying to avoid me. Neither will work.

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