vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I participated in a HAMP modification with performance payments which I have now successfully received. However, much like I've previously had issues with the way SunTrust ( now Truist ) has serviced my XXXX XXXX loan, they now are refusing to respond to my repeated inquiries about why I have not received a recasting / re-amortization of my payments per the HAMP guidelines. I've tried to reach out by both phone and secure online communications ( and have attached copies of these communications ) and have made it clear I would indeed want to take advantage of a recasting to reduce my payments per federal guidelines. I'm told each time that someone from that department will be contacting me or I will be receiving some sort of official communication regarding my recasting inquiry, but I never do. I completed the five-years in the HAMP program in XX/XX/2019, which is when the final {$5000.00} performance payment should have been made ( it was significantly delayed with no explanation even though I made many inquiries, but eventually showed up ). I also should have, as is my understanding from reading the HAMP federal guidelines, been offered a recasting of my loan at this time. I was not and I have been calling and messaging without resolution. I'm just told it will happen or is happening or I'll hear something by an apparently ill informed mortgage customer service rep. 

I do want to bring up that last time I contacted CPFB about a Suntrust ( now Truist ) HAMP modification issue and spoke to the US Department of Justice regarding a  breach of their settlement agreement in regards to criminal conduct on their processing of HAMP modifications, Suntrust offered me {$1000.00} to drop my complaint and go away which I did, but then they never paid. I continue to remain shocked that Suntrust gets away with so many violations of the HAMP program and how it's supposed to be run. They received deferred prosecution and here they are, breaching it yet again with me. I guess corporate officers will never go to jail no matter how purposeful or negligent. 

I'd really appreciate some investigation and oversight here. There is absolutely no reason why I should be denied a recasting, be required to pay my interest payments in full, and pay off early. That is very convenient for Suntrust ( and even more so the new combined Truist, looks better on their balance sheet while it continues to harm 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 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UMB FINANCIAL CORPORATION
State: TX

Complaint narrative:
All contacts were with customer service XXXX. 
XXXX I have a closed checking account at UMB and an active checking account. I was scheduled to receive a direct deposit into active account from XXXX XXXX. However, XXXX XXXX misdirected the funds of {$1000.00} into the closed account. I contacted UMB on conference call with XXXX XXXX, at which time it was explained by UMB representative that the funds were not being reflected. And since account was closed it would revert back to originator automatically. I should confirm receipt of the funds with originator in 5 business days. 
XX/XX/XXXX- Contacted UMB because XXXX XXXX hadn't received the funds. I was instructed that since the account was closed the funds were being forwarded back to me at my home address as a check. Should arrive within 5-7 days. 
XXXX Contacted UMB and was advised a check wasn't being mailed to me, but to XXXX XXXX and it had been processed on XXXX, so regular mail should have it there within 7-10 days.I requested a reference number or tracking number and was told nothing like that was available. 
XXXX I called and spoke to XXXX XXXX customer service who gathered the following information. The accounts receivable department had deducted {$8.00} from original direct deposit of {$1000.00} and I would be receiving by mail {$990.00} which was being sent via registered mail based on the dollar amount. This check has already been mailed and I should receive by XXXX, XXXX. She provided reference # XXXX. She was the only thorough person during this process. 
I explained to XXXX, I am traveling for work and wouldn't be back in the area for over 60 days. Otherwise, I would have tried to have this addressed at local branch in XXXX XXXX, TX. Also, I advised that I was unsure if I could get someone fto pick up mail. So she advised the check would be resent to my temporary address, if not received by XXXX, XXXX. I asked XXXX to find out from Accounts Receivable why this process has taken nearly 30 days to resolve and she was told, they have 14 days to process the transactions. 
XXXX I contacted UMB customer service and requested a supervisor. I was transferred to XXXX. After reading the notes, XXXX advised me a stop payment would only be completed after XXXX, XXXX and the check was sent regular mail. I should contact them again on XXXX XXXX, XXXX. I requested of XXXX that thorough documentation including my frustration with the timeline, the extreme miscommunication and my dissatisfaction with the EXTREMELY poor customer service, I had received EXCEPT for XXXX 's assistance on XX/XX/XXXX. I have contacted the FDIC, who refered me to Consumer Finance. GOV for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: IA

Complaint narrative:
The company debited my account one day before each agreed payment day, causing my account to overdraw. When I called them to correct the payment dates, the refused to work with me. The loan agreement was NOT available ( link was broken so i never got the agreement ) and when I finally demanded it and got it I saw that they were charging me 674.9825 % interest which amounts to a {$2300.00} loan fee with total payments of {$2800.00} on a {$500.00} loan. 

Iowa has a maximum loan term of 31 days and a max rate of 337 %. When I mentioned that to them, they told me that the laws don't apply to them. I have already paid the company {$890.00} and when i asked my payoff amount, they stated it was {$560.00}, more than the original loan. 

I send them a deauthorization notice and notified my bank. I'm also making complaints at the XXXX and the FTC and anywhere else I can think of. These thieves need to brought down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2019, PayPal allowed transactions to go through on several purchases from my account to merchants I wasn't familiar with nor authorized these merchants to withdraw funds from my account. I called PayPal immediately to have them try to investigate the matter and to late have them refund my money after they've done their review. After a week went by, I noticed PayPal sided with me on this matter and they refunded almost all of my money back. At this time PayPal didn't issue me a new card or give me any reassurance that my account was safe from any other mishaps so I linked my bank card to my PayPal account and attempted to move the rest of my money to my trusted bank account. Within seconds of doing so PayPal shut down my account and denied me access to my funds which are still currently frozen in their systems. 

Name : XXXX XXXX Email : XXXX Contact : ( XXXX ) XXXX or ( XXXX ) XXXX PayPal Reference ID : Case XXXX Last Contact Date With PayPal : XX/XX/2019 Balance in Question : {$770.00} Date of Initial Problem : XX/XX/19 Company in this Complaint : PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
On XX/XX/2019, I sent in a personal check in the amount of XXXX in an attempt to pay off my loan. I took the envelope with the payment into the post office and paid an additional fee for priority mail with a tracking number. The address for the company 's payment processing was a P.O. Box. The payment was delivered to the company 's P.O. Box on XX/XX/2019 according to the post office tracking information. 
I have attempted numerous times to inquire as to the status of the payment ( whether it has been received, etc. ). Netcredit constantly puts me off, never answering the question as to when it is they actually pick up their mail for mail-in payments. I have sent them images of the check as well as the receipt from the post office showing when and where it was mailed. All they do is ask for a copy of the back of the check, avoiding answering the question of receipt of payment. 
I've had issues with this company in the past regarding making any early payments which is why I am attempting to pay them off as soon as possible. The amount sent,XXXX would have paid off all if not most of the loan but since " they do not see any payment received '', additional interest accrues daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: SC

Complaint narrative:
Upon retrieving my credit report XXXX XXXX. I noticed the fraudulent account. Immediately I reached out to the company as well as the Credit bureaus to get to the bottom of this matter. Upon investigating I realized I became a victim of identity theft. Some crook obtained my information and acquired goods fraudulently in my name in another state/city that I've never lived nor visited. The collection agency was extremely distasteful and unapproachable in the matter and Absurdly demanded immediate payment. I did not acquire this account it was obtained under false and fraudulent intent. I notified the FTC as well as my local police department of this incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF NEW YORK MELLON CORPORATION, THE

Complaint narrative:
What happened? 
1. 
We were owners of XXXX shares XXXX ADR issued by the Bank of New York Mellon. ISIN was XXXX. 

Book value of 1 DR was XXXX USD per DR ( as was stated in XXXX annual report of XXXX  ). 

Bank of New York Mellon only paid XXXX USD per DR cash proceeds for the termination of the ADR. 

Book Value exceeds cash proceeds by 15-fold. 

The company XXXX is a healthy company and keeps on producing steel at large scale. 

2. 
The payment was sent with check. ( But the check was not cashed instead it was refused to be cashed. ) 3. 
Bank of New York Mellon declared us, there were no dividend payments paid by XXXX. This was a round lie. XXXX officially declared dividends for the years XXXX and XXXX. 

The Bank of New York Mellon has never paid us the dividends. 

4. 
Bank of New York Mellon not even paid the full cash proceeds of XXXX USD per DR . 

We should only receive XXXX USD per DR . Although we are no US citizen nor US residentials the Bank of New York taxed us over five thousand USD. 
We need help in this case as we are victims of obvious fraud. We are able to proof every detail of our accusation with documents. 

Finally we ended up with nothing, we not even get the XXXX USD per DR because the checks were refused to be cashed. We lost all our funds invested in the DR product issued by Bank of New York Mellon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
During the time I had XXXX the services continued to be disconnected during weather the internet phone and cable continued to stay off I got so frustrated I returned all equipment and waited for a credit due to the services being more off than on. They advised once I return it I would receive a credit as of today 's date that has never happened. All equipment has been returned as I was advised but XXXX never gave the final bill nor the credit that they advised that they would for their services being more off than on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have applied for credit loans and the creditor was unable was unable to get credit score from TransUnion. I want an investigation as to why TransUnion didn't give Creditor my Score.

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 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MD

Complaint narrative:
I was sent a class action postcard against this company explaining they had no license to collect debts in the state of Maryland and also I never received anything regarding this debt and also the debt is to much for the period of time of the debt and they also are on my credit and the co signer credit with never even notifying either of us because the default amount is bogus!!

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 2020-01-03 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have applied for credit loans and the creditor was unable was unable to get credit score from XXXX. I want an investigation as to why XXXX didn't give Creditor my Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have applied for credit loans and the creditor was unable was unable to get credit score from XXXX. I want an investigation as to why XXXX  didn't give Creditor my Score.

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 2020-01-03 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaacurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any prroof or documentation that will prove this account is being reported accurately.

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 2020-01-03 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaacurately and incorrectly on my credit report. 
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any prroof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: EQUIFAX, INC.
State: GU

Complaint narrative:
I can not access my credit report on the Equifax web site. I have successfully answered all of their security questions, but it keeps telling me the online delivery is unavailable. I can't access Equifax disputes. I fail verification constantly, so I have to mail all disputes, no matter how minor. I've disputed and have successfully had several negative items removed from both my XXXX  and XXXX reports with no issues online. However, the problem is with Equifax. Mailed disputes to Equifax tend to work out better as it forces them to actually read and not just mindlessly do what their system tells them based on a reason code. I did go through the free annual credit report web site and I did mail in a copy of my ID and request form to have my Equifax report mailed to me, but I really want to be able to access it online and file the disputes that I need to file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Please find attached. Do not communicate by telephone with me I am represented by an attorney. No lawsuits have been filed as of yet. Theres a few issues with this debt and it's collection by PMS. 1. They contacted me on my cell phone using an automated pre-recorded message, which I did not consent to and was for non-emergency purposes ( TCPA ) 2. This debt is the subject of litigation against the original creditor and PMS is attempting to communicate after it is known I am represented by an attorney. Find attached letters, which is a violation of The Fair Debt Collections Practices Act. ( 1692 c ( a ) ( 2 ) After it knows the consumer to be represented by an attorney unless attorney consents or is unresponsive )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: VA

Complaint narrative:
My complaint is with BB & T Bank. 
I understand that overdraft fees has to be applied to your account when the bank pays for a transaction because of low funds. 

My question is why do they have to apply {$36.00} dollars for every seven days your account is in a negative status. 

I can recall XXXX XXXX XXXXXXXX getting sued for excessive overdrafts and had to pay out millions of dollars back to their customers.

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 2020-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendUp Loans LLC
State: NC

Complaint narrative:
I have been doing business with Lendup.com for some time now and have not had a problem with them except for this month. I established an installment loan with them of {$500.00} a few month ago and agreed to pay payments of {$93.00} per month, due on the XXXX of the month. ( I am on XXXX and get paid on the XXXX of each month ) I signed the agreement in good faith. Yesterday, the XXXX of XXXX, they took the {$93.00} out of my account which caused a negative balance in my account. My bank, XXXX XXXX XXXX, charged me a fee of {$35.00} for the negative balance. 

In addition, I changed my phone number several months ago and have attempted many times to inform Lendup of the change through their contact page on their website. I have yet to hear back from them to get this changed. I can not change the number myself on the account and it is the only way I can contact anyone there. They do not accept calls as they call back when I call. But since they have the wrong number, I can not talk to anyone. Please help! 
Respectfully, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete 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 2020-01-03 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation