vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
XXXX is the branch manager of Bank of America located at XXXX XXXX XXXX XXXX XXXX, UT XXXX  and is specifically refusing to review bank policies and declining to assist customers. This location in XXXX, UT is the only fully functioning branch and was only recently opened.

I attempted to convert a Bank of America check payable to me into a cashier 's check so that the funds could be certified and because I am not an account holder they told me they would not help me. Since BOA is new in Utah, I called my local BOA bank in Oklahoma that I am familiar with and they reassured me that they should be assisting me & they just need to review the procedures for completing this.

Not only did XXXX  refuse to review policies and refuse to convert my check into a cashier 's check but he also refused to cash my check. I inquired if I opened an account and deposited the check when would the funds be available so they could issue me my cashier 's check and then XXXX, the branch manager said he would be placing an extended fraud hold on the funds because it is a new account. THE CHECK IS DRAWN OFF OF YOUR BANK. They refuse to assist and then threatens me with not releasing the funds?! They just make you feel like a criminal.

I called the Oklahoma branch back and requested they send an email to XXXX with a link to their procedures that will show him the appropriate steps that " should '' have been taken.

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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
On Saturday XX/XX/XXXX a lending agent Mr. XXXX XXXX from Amerisave contacted me in regards to my inquiry online to refinance, That same day they emailed me what they call a chart that showed their current rates I reviewed the chart and choose to refinance for {$120000.00} Loan amount at 4 % a closing cost of {$2700.00} these numbers came from the chart that provided that day, the balance on my home was {$950000.00} and the closing Cost would come from the amount financed I wrote these numbers in my email back to him and that based on those numbers I would proceed with an application.

I also spoke to him that due to the small amount I was refinancing I did not want to pay anymore on my closing and I did not wish escrow my Insurance and tax these were the issues I was adamant about.

I filled in the application that evening the next morning I get a .PDF File with my loan information the closing cost is now {$3400.00} I emailed Mr XXXX That I was not paying this closing cost it was not what he provided me with less Than 24 hours before, his reply was that he must have sent me Thursdays Ratings and it must have changed on Friday?? Wish he did not provide He has also become very assertive on the phone to the point I no longer want to deal with this person he was to the point of harassing and not allow me to finish a statement And just kept cutting me off, at that point I no longer felt confident in dealing with Mr XXXX and the answers that he was giving me nor the bedevilment I no longer wanted to proceed with my application.

Also on the statement that he emailed me made no sense the estimated pay off on my mortgage was {$100000.00} as The original mortgage was only {$100000.00}. And a balance of {$95000.00} were was The additional {$6400.00} going?

In only a few hours of dealing with Mr XXXX  I no longer felt confident and Was to the point being bullied by the man I requested that my {$500.00} application be returned. His response was It is not refundable unless you close your loan.

I have since called their main office and spoke to a XXXX  that stated the same Response NO REFUND under any circumstances but closing there company did nothing to justify not returning my {$500.00} as they were negligent in provided incorrect information.

In less than 24 hours I stop my application my reason for not proceeding Is that the numbers they sent to me were incorrect I am providing the email they sent that show the cost that I had agreed to proceed with and the file that Was emailed the next day with the increase.

The consumer is not aware when they pay their {$500.00} application fee That no matter what fraudulent actions or harassment Amerisave does or say they simply get to keep your money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Recently, I disputed an account on my credit reports that is being reported by FirstPoint Collection Resources. The results of the dispute came back as 'verified and accurate '. Thus, I wrote a letter to FPCR asking them to provide me with the documents used to validate this debt. However, the letter that I wrote was returned to me due to the letter 'not being deliverable as addressed '. I checked the letter and the address matches the address that FPCR has listed on my credit reports. Thus, instead of re-sending my letter I have attached it to this complaint along with the proof of mailing. In short, FPCR needs to send me a copy of the original contract and full accounting for the amount owed, using generally accepted accounting principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I went to the bank on XX/XX/19 to deposit my IRS check because I knew I had an overdraft. When I went to the teller and handed her my check to deposit she takes it and them after depositing the check she informs me that my account was closed. Then the banks tells me I have to wait for a letter with instructions on how I could get the money deposit. I receive two letters with different information but none instructing me what I need to do to get the funds. I today I call stress my personal issue to them I felt like they didn't care and they are telling me that my account is in the process of getting closed but then again the teller on the XX/XX/XXXX said my account was closed. In top of all the misleading information I still have to wait the two processing days to be closed and an additional 7-10 days to get my funds. And still no one is helping but I am the one the affect person here counting on those funds to be able to resolve my personal issues. I don't understand why can you just charged the amount owned and give me the funds belonging to 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 2019-08-01 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nation Star /Mr Cooper the alleged servicer in my home account sent me a letter to have my account transfer to XXXX XXXX. Knowing XXXX XXXX was the current Investor I asked why I was not inform by the previous investor or the new investor about this transfer.

I don't even know the information in the new investor according with XXXX XXXX they said the Transfer got done last XX/XX/2019, If the transfer got done in XX/XX/XXXX it Clear it occurred a violation of TILA 15USC 1641 provision 131 ( G ) by the new investor in failing to provide me its information.

Its clear to me there was a Transaction in the Past between XXXX and Nationstar without the authorization of the Investor, Per the Original agreement I had with XXXX XXXX XXXX in the document signed " I'm aware the account can be transferred as many times and it can be done only by the INVESTOR/OWNER '' not the Servicer as it seems its occurring twice The servicer function is to service the account only as its name shows. The Servicer doesn't have the Authority to transfer or Sale the Account. Also doing this inquire I have to mention the balance reflected in this account is not Accurate as it reflect in the last statement from Nationstar/Mr Copper. Account # XXXX showing a balance of {$290000.00} when the original Deed I have is for $ XXXX from XXXX XXXX XXXX.

Please see my letter and other supporting documents directed to Nationstar/ Mr Cooper . I want to have the CFPB to interact in my behalf in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A company called XXXX XXXX reported 2 accounts on my EQUIFAX account.I try to contact that company to ask where those accounts come from and they do not have a correct info they was told to me that they are a third party collection company.I ask for accounts information and they have not all completed info.I contact equifax to complain and they was told to contact that collection agency, after i explain that i contact the collection agency and they do not have correct info, still EQUIFAX refuse to resolve my problem and they still have on my file those information even that they are incorrect and with errors.This is action a taken against me is on unappropriated.With out any prove they keep still on my file those reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract but have been repeatedly met with verified as accurate with out providing the documentation that was requested, continuing to be in violation of section 611-non compliance and continuing to damage my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica
State: TX

Complaint narrative:
I bank at Comerica in XXXX, TX. I have a Home Equity Line of Credit along with a linked checking account.

I made a payment to my loan from my checking account on XX/XX/XXXX in the amount of {$150.00}. On XX/XX/XXXX an autopay posted to my loan in the amount of {$100.00} overdrawing my checking account. I was not aware that this autopay was still in place, as it was left over from a loan I had paid off in XX/XX/XXXX. I was then charged a {$26.00} overdraft fee on XX/XX/XXXX and less than a week later, charged a {$6.00} overdraft fee.

I called Customer Service on XX/XX/XXXX and asked XXXX to cancel the autopay and credit the overdraft charges, as it was the autopay that overdrew my account. Apparently, it is not easy to cancel an autopay at Comerica. He gave me a provisional credit and put a form, called an ACH Written Statement of Unauthorized Debit, in the mail for me to sign.

When the form didn't arrive after a week, I called Comerica yet again, on XX/XX/XXXX. This time the banker, XXXX, was able to cancel the autopay. When looking at my account a couple of days later, I saw that I had been charged a {$34.00} fee for the autopay cancellation.

I called Customer Service, again, on XX/XX/XXXX and after confirming with XXXX, the first banker who answered, that Comerica charges a {$34.00} fee for autopay cancellation, I asked to speak to a supervisor. XXXX came on the phone and confirmed again that there is a {$34.00} fee that she could not credit. After much discussion back and forth, she asked if I would like for her to give me a one-time courtesy credit.

Is it even legal for a bank to be able to help themselves to one 's money like this. Nowhere did I get a notice that there would be {$34.00} cancellation fee, either verbally, written or online. Neither was there a notice in the ACH Written Statement of Unauthorized Debit form, which I eventually received.

Each time I called Customer Service, I waited a minimum of 45 minutes on hold for someone to answer. And after a banker answered, each conversation was a minimum of 30 minutes. Why should my precious time be wasted on trifling jobs that could be solved in 5 minutes. Comerica created the problem and then charge me for it.

I find it very troublesome to have had to call Comerica Customer Service so many times. It is an unprecedented lack of service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-01 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested for MIDLAND FUNDING LLC to verify acording to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have been responded with verified as accurate without the requested documentation, continuing to be in violation according to section 611-non compliance and continuing to damage my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a dispute for an inaccurate entry on my credit report. I asked for a complete copy of my report from Transunion once they finished their investigation and subsequent removal of the erroneous information from my report. I did get a letter back saying they removed the inaccurate entry, but never received the correct copy of my report via US Mail. I called to ask about the report and was told I would have to sign up for credit monitoring service to get a copy of my report. The federal law indicated that the credit reporting agency must provide a copy of the 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 non-monetary relief
Consumer complaint received 2019-08-01 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: CITY NATIONAL BANK
State: NY

Complaint narrative:
City National Bank is a disaster when it comes to information security and being able to access information. I applied for a credit card. The Relationship Manager I was assigned was XXXX in the XXXX XXXX location. After application, I was completely unable to access any information regarding my application. The phone number she gave me was not functioning. When I went to the branch, a gentleman informed me that he was a different manager and I should wait for her. And their national call line doesn't know where my application is - so essentially I supplied the bank highly sensitive personal information and they did not keep track of it, while almost every employee at the bank refused to discuss the application with me because they told me I had to contact XXXX who has disappeared. This looks very much like a data theft scam. You give personal information to a shady organization, then nobody will speak with you about it and the person they claim will assist you gives you a phone number that doesn't work and disappears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GVA Holdings, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX ) stole my file from XXXX XXXX XXXX   XXXX XXXX ( XXXX ) to try and collect a debt they do not have rights to. The have used scare tactics. Told me I have a court date in 2 weeks from now and said they have contacted my employer. They have called my in-laws-phone. They are trying to collect {$580.00}. Screamed at me on the phone. 

XXXX & XXXX have a law suite against XXXX in New York. 

I was very distraught and crying because I did not know at first which company was telling the truth. The people I to at XXXX are XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Am in desperate need of help’ I’ve been banking with chase for 9 years now. I work very hard to make my money the correct way. I made the mistake of trusting someone close to me. I know this person since I was a child, he knows everything about me. He got a hold of my card and deposited checks because he knew my information. I honestly was working this day and had no clue what was going on. I went to chase and explained but they claim since the person knew my information there’s nothing they can do and that my account will be closed. Mistakes happen all the time what about how long I’ve been banking with you guys that does not count ? How I never committed anything wrong, not only am I not allow to get a chance but I can’t open with no other bank! XXXX has me as XXXX this is not fair. It has me depressed please me or give me another chance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
Hello, I just finished talking with 6 different representatives at 3 different offices about an alleged debt that was sent to them. They couldn't verify the SSN and reporting the wrong balance. The credit bureaus are saying that I owed {$390.00}, however, when I call them they kept saying that the balance is {$0.00}. Again, : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2019-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30days. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 explanation