vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank holds the Mortage to my house. Chase put XXXX XXXX XXXX a collection agency out front as of XX/XX/2020 to collect my Mortage payment. 
When I called for payoff information I was sent information to make wire transfer to Chase Bank account number. I bank with Chase, my Mortage is Chase by way of XXXX. Chase is still auto debit my account taking the mortgage payment. Chase charged me {$35.00} to send money from my Chase account to them Chase to pay my mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am hereby filing a written complaint against Transunion. I have sent seven certified letters to the credit bureau to verify the incorrect information on my credit profile. Transunion is reporting XXXX XXXX XXXX late for 10 months in XXXX and in XXXX, XXXX and XXXX of XXXX. This is incorrectly recorded. I have not received any communication from them about these late payments and they are yet to verify the validity of their data. They have not made any attempt to try to rectify this urgent matter. I initiated the verification process with them in XX/XX/XXXX and I am yet to reach a resolution. Im hereby seeking assistance and resolution. If this can not be resolved in a timely matter I will be forced to file legal action with the assistance of my attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I got offered a job after applying to some site related to my university. A short while after, I was expecting an email to help me out with school, since I did not have any job or anything during the pandemic of Covid-19. So, I took the job offer, and performed the tasks required. I was given two checks by XXXX, my employer. When they deposited, I found out that they were a scam. By then, I had sent a total of {$3500.00} to XXXX XXXX, one of his customers. 

Today, I write to the Consumer Financial Protection Bureau to help me recover my losses. I have contacted Bank of America about my issue, but they have not done anything to help me. I was left extremely damaged within and find it hard to get through this adversity to this day. Bank of America rejected the checks XXXX had given me. In the next paragraph, I will specify the details more clearly. 

On XX/XX/2020, XXXX sent me a check via mail with a balance of {$1400.00}. This is what I deposited to my checking account that day. With this money, I sent {$990.00} to XXXX XXXX. This was done through XXXX. Later through the week, another check was sent to me, this time it was a check of {$2400.00}. On XX/XX/2020, this check was deposited to my checking account. With this, I was told to send {$2500.00} to XXXX XXXX. I did this on XXXX. On XX/XX/2020, Bank of America declined the checks, leaving me with a negative balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
To start off, I want to make it very clear that I have never applied for a loan with Ally and never will. My mortgage was purchased by them around XX/XX/2019. My loan was serviced by multiple companies, but my last 14 month have been a living XXXX. I have not been able to get a clear answer from a single person, on any level of the company, including from office of the president. Company can not clarify how some of my checks have been deposited, they have no clue why my escrow balance, according to them, goes up and down like a roll a coaster, why I am being charged interest for payments that are being held up for a month. I have made a simple request, to provide totals for my payments, portions that went to interest, too principal and to escrow. For the last two month I wasted hours and hours of my time on the phone, and apparently, Ally doesn't like dealing with immigrants, which I am, even though a proud Citizen of the US. I have been played for a fool for longer time that is acceptable. I feel it is criminal to treat customers like that and discriminate so blatantly. I have no choice but to refinance my mortgage, just to escape this nightmare, which would cost me thousands of dollars. If company is not willing to cover these costs, I am planning to seek legal help, to remedy that, in addition for torture and discrimination, but feel government has to stop Ally from hurting even more people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: FL

Complaint narrative:
I have been a victim of identity theft, on XX/XX/2017 a medical collection accounts were open in my name, I went to my local police station and filled identify theft report along with a federal trade commission identity theft report then I called the collection company ( Avante USA ) I explained them everything and provided them with a copy of all documents, however, they refused to remove the accounts despite me being in any hospital neither seeking any medical care from the mentioned facility in the account, furthermore, they were very hostile and even hung up the line after losing hope of me paying a service I didnt use, I contacted the credit bureaus and sent them all documents and was able to remove the accounts, but still Avante USA is using illegal techniques to change accounts numbers and debit value to promote to the bureaus as a new debits. Their allegations are unfounded, they failed to provide the credit bureaus with a proof of debit, but for some reason they still able to keep adding new accounts to my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
In XXXX, Dovenmuehle Mortgage company ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX ) overpaid my property taxes by about {$620.00}. I put in a request with my local revenue department to receive a reimbursement check for the overpayment. By the time the reimbursement was processed and sent to Dovenmuehle, my mortgage was transferred to a different mortgage company ( XXXX XXXX ). As of XX/XX/XXXX, my new mortgage company has still not received the check of {$620.00} which Dovenmuehle and my local revenue department have both confirmed Dovenmuehle cashed in XX/XX/XXXX. I have called Dovenmuehle three times, each time waiting on hold for several hours at a time. Dovenmuehle customer service supervisors are unable to resolve this issue which is complicated by the fact that my account has been closed, and they are unable to give me a time frame in which they will resolve this issue. Dovenmuehle is withholding {$620.00} worth of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Reported 2 late payments that were not paid late and were paid on time. XX/XX/XXXX and XX/XX/XXXX 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
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: RI

Complaint narrative:
My mortgage was initiated with this company and immediately sold to my current mortgage holder. Probably a year later I received constant calls asking me to refinance. I asked to be placed on the do not call list and the solicitation calls persisted. I contacted corporate who suggested I block the number. I spoke the managers of the location who ensured me it had been addressed and for a short time it appears it was. Fast forward a couple years and then last Tuesday I was contacted by them again! A young lady named XXXX who would not provide her last name or the names of the managers at the facility. 
Prime Residential Mortgage XXXX XXXX XXXX, XXXX RI XXXX All Im trying to ensure is that I never hear from this company again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I was on CarMax looking for a vehicle. Just LOOKING As of today, XX/XX/XXXX, there are SEVEN hard inquiries on my credit report all submitted on XX/XX/XXXX by CarMax. I DID NOT enter my social security number on CarMax.com, NOR did I authorize this company to run my credit SEVEN times with SEVEN different banks. I called CarMax corporate today XX/XX/XXXX after receiving two out of seven letters from auto loan bank companies and one of the representatives had the audacity to ask me for my social security number!! I asked the woman " why do you need my social security number if your company already ran the inquiries without my permission '' and to that, she did not have an answer. I told her I did not feel comfortable giving CarMax my social security number at that point. This should be a quick fix! There is no reason why the company made me jump through hoops and hurdles for an issue that they could fix with the press of a button. I'm a young single mother who is in the midst of repairing her credit. I had a goal to BUY a vehicle in XXXX. But due to CarMax malicious intent, I don't see myself being able to accomplish my dreams sadly. I am completely and utterly devastated at the hit my score has taken because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION
State: IA

Complaint narrative:
I received an email claiming I was late on a payment. I went ahead and paid the past due amount plus what was due the next month. Then I find out a day later that they dropped my credit score 180 points AFTER I made the past due payment. The company acknowledges that my account is in good standing but says that I have to dispute on here to get my credit score back up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXXat XXXX XXXX I received a response from Google pay specialist concerning a previous complaint against them : thank you for waiting patiently for our update. THIS IS XXXX AND WE'RE GETTING BACK TO YOU AS YOU FILED A CASE WITH CFPB. TO HAVE YOUR REMAINING MONEY IN GOOGLE PAY REFUNDED TO YOUR BANK ACCOUNT PLEASE COMPLETE THIS SECURED FORM ( https : //support.google.com/pay/contact/usd_wb_ach? XXXX & XXXX & XXXX ) please do you this form now, even if you previously link a bank account to Google 's payments service I would like to make sure that we refund your money promptly to your preferred bank account with your most updated information thank you and have a great day thanks XXXX the Google support team. As on XX/XX/XXXX I noticed that my money was not in the account anymore but {$3.00} which was a total of {$61.00} so TODAY XX/XX/XXXX I CALLED THEM CONCERNING THE WHEREABOUTS OF THE PHONES I WAS SUPPOSED TO BE TRANSFERRED THROUGH THE PAYMENT FORM METHOD WHICH REQUIRED A BANK ROUTING AND CHECKING NUMBER BUT AS I WAS TALKING WITH THE REPRESENTATIVES THEY SAID THAT THE MONEY WOULD TRANSFER BACK TO THE SENDER WHICH IS TOTALLY AGAINST WHAT I RECEIVED ON THE SECOND OF XXXX WHICH DOES NOT COMPLY WITH WHAT THE AGREEMENTS WAS ON GAMES IS ALL I'VE BEEN GOING THROUGH WITH GOOGLE PAY WHY WOULD HE SEND ME A FORM TO REQUEST THE MONEY OUT OF MY ACCOUNT TO MY PREFERRED BANKING CHOICE TO JUST SEND IT BACK TO THE SENDER WHICH DAY WAS NOT SUPPOSED TO DO THAT IS ILLEGAL IN THAT IS STEALING TO GO INTO A CUSTOMER 'S ACCOUNT AND SEND IT BACK TO A SENDER WHICH YOU MAY NOT EVEN KNOW IF THAT WAS SUPPOSED TO EVEN TAKE PLACE CUZ THERE WAS NO FORM OR NO A KNOWLEDGEMENT FROM ME TOOK HIM TO MAKE THEM FEEL AS SUCH TO DO SO. I TOTALLY FEEL XXXX VANDALIZED AND FEEL LIKE MY ACCOUNT WAS VANDALIZED AND FUNDS SENT BACK TO SOMEONE THAT WAS NOT THR SUPPOSED AGREEMENT. I want to take a lawsuit out on Google pay, Google llc, alphabet on this matter come through this far too long since XX/XX/XXXX of this issue and just for them to send my money to a wrong account let alone a reversal and not a transfer why would I receive a reversal if I got a transfer form on the XX/XX/XXXX and my money was taken out of the account on XX/XX/XXXX. I have that email case number ID that has that form. Your Google Support Inquiry : Case ID [ XXXX ] Also I would like to seek section 2102 california financial code.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD bank violated their agreement with the Consumer Finance Bureau by excessively charging a military veteran excessive fees. Not only that, TD bank returned automatic payments but kept bank fees and violated our contract to still pay all debit transactions based on our signed debit card transactions overdraft agreement. 

I was in Another State for XXXX Holidays, I called TD Bank and informed them of that as it was my duty to make all financial institutions aware that I am out of town for XXXX holidays to prevent fraud. I had the money in my td bank savings account. 

Td bank never attempted to retrieve the funds for payment from my savings account, but instead, they returned automatic monthly payments and charged me excessive fees. 

Moreover, td bank is in violation of the CPPB agreement and policy because td bank charged me in excess of more than 6 banking nsf and overdraft fees within 1 week which is a direct violation of CFPB AND THE FAIR DEBT/CREDITORS ACT. 

Td bank never sent me written communication of these excessive fees. 

Lastly, when I informed TD bank that I am traveling for XXXX in another state, and asked TD bank, how do I deposit money in my account, td bank stated that they dont have a bank in the state that I am traveling to and td bank told me to have a friend deposit the funds for me in my home state which could be a violation of potential fraud by td bank making me tell a friend to deposit funds in my personal bank account. I asked td bank are there any other alternatives of getting access to my bank account to deposit funds and td bank said NO. 

Please pull all recordings of td bank conversation with me for XX/XX/2021 on the phone for further proof. Thks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
I purchased a visa gift card on XX/XX/2020. I found a fraud transaction that took away all of the balance ( {$500.00} ) and contacted the gift card bank right away. I email them ALL the required materials on XX/XX/2020 but after 20 days I only received a reply that they didn't receive all the materials .... I don't understand why all the files were included in the email but they said they didn't receive them. What kind of efficiency is this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A credit card was provided to me in XXXX as a result of misleading, confusing and ultimately deceptive practices. I am an elderly woman caring for a handicapped husband who is XXXX years old. We continue to live in our mortgage free home, and we keep it well maintained. During the estimate process for new gutter guards for our roof the salesperson informed me that I could pay for the work in installments with no interest for 18 months. We had recently agreed to a similar arrangement with our oil company when we replaced the boiler last year. We are now paying the oil company in installments. I agreed to installment payments to XXXX XXXX but at no time was it explained to me that I would be required to open a credit card account with Synchrony Bank in order to make those payments. When I learned of this fact I immediately paid the merchant in full by check. We neither need nor want another credit card. I sent the check in the amount of {$2.00}, XXXX on XX/XX/2020 to XXXX XXXX. Note, I did not sign anything consenting to the opening of an account with Synchrony. I subsequently called Synchrony and explained that I did not want an account with them When I requested that Synchrony reflect on their system that I had never had an account with them they explained that they would close my account. I questioned how an account can be reported as closed when it was never opened in the the first place. On a follow up call with Synchrony they said that they could not delete the credit inquiry but could close the account. I believe they are in the process of closing the account this month. It has always had a XXXX balance. At this point I want the account deleted from my credit report. In sum, I never consented to a credit card. I have fully paid the merchant and now I want my credit report to reflect what actually occurred, not what was offered to me by means of a deceptive practice.

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