vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: NJ

Complaint narrative:
On XX/XX/2020, I received a call from a Mortgage Loan Originator, XXXX XXXX, from XXXX XXXX XXXX, in XXXX, NJ, regarding my online inquiry. After speaking for a few minutes, asking what their current rates were and letting XXXX know I just started to shop around with different lenders to refinance and shared what another lender was offering my wife and I to see if Homebridge rates would be comparable, he began telling me to watch out for brokers. I explained the quote I received was from a lender, not a broker. XXXX seemed to be combative and focused more on telling what I should or shouldn't do, rather than what he can do for my wife and I. I explained the quote I received was in writing as he was implying the person who gave me the quote, was deceitful. I stated my wife and I may give them a try. XXXX then, in a snarky tone said, " Good luck with that, '' and abruptly hung up on me. His last words were not genuine, but clearly dismissive. We were not mutually ending the phone conversation, nor was it done in the typical universal way two people hang up. I never got to say thank you for calling me back, or be well. 

Minutes after he hung up on me, I emailed XXXX and told him how rude and unprofessional he was and that I'd definitely be taking my business elsewhere. He replied back via email with continued rudeness and arrogance, coupled with a misrepresentation of the facts regarding our phone conversation. I never stated I didn't want to apply online to refinance. He lied in saying we were mutually ending our phone conversation when that was not true. He abruptly hung up the moment he felt we might not work together. 

I contacted Homebridge via their website to inform them of my experience and was told, XXXX XXXX, the Divisional Vice President, would reach out to me to discuss my concerns. He never did. It seems this unprofessionalism starts at the top, which would make sense as to how someone in XXXX 's position would not hesitate to handle a potential customer ( or anyone for that matter, even if he felt I was not going to give him my business ) the way he did. What makes it more shocking is the fact that XXXX is a Branch Manager. 

I have attached all email correspondence. You can see how unprofessional and arrogant this employee is solely based on what he told an employee within Homebridge, from the Customer Commitment Department. These types of verbal attacks against those who are not clients of Homebridge, seem to be common place for XXXX to speak freely like this to an employee, who is supposed to handle grievances with the company. 

On XX/XX/2020, I followed up with Homebridge and expressed how it is evident that the poor customer service with Homebridge runs from the top down, since XXXX XXXX never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. The inquiry was not authorized XXXX XXXX I Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
7. The inquiry was not authorized XXXX XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

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 2021-02-17 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Every month on the XX/XX/XXXX/XX/XX/XXXX I get a {$10.00} charge from XX/XX/XXXX XXXX CA for over a year now. A year ago the charge was XXXX dollars a month, and I have 0 XXXX subscriptions I have attached this card to. With my previous credit card that has now expired, I disputed the charge with TD bank and they gave me a new card, but the charges have returned again. When researching the phone number, I have discovered that this is a common credit card scam that needs to be reported and disputed with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported confirmed the account as valid. In a good faith effort to resolve the matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. They have failed to comply with investigations.

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 2021-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Hello, I was seeking a company to refinance my conventional home loan into a VA loan.. I have run into several issues culminating into me asking for a supervisor 's contact 6 times and not being provided that information. 



Throughout this process, 1. I informed the lender that we were looking to refinance our conventional loan into a VA loan to use our benefit and reduce our monthly mortgage payment. I informed him that the reason we were not refinancing with our current lender is because they said they'd prefer that we waited 6 months before refinancing and we wanted to use our VA loan benefit sooner. The Amerisave lender, XXXX, said it would not be a problem, so we proceeded with the refinance application. 

2. The incorrect borrower was placed first despite me informing the loan officer that I should not be on the VA loan documents. He said, " don't worry, we'll fix it later. '' After that delay, 3. He realized he processed the incorrect loan type despite me explaining upfront that we were going from a conventional loan to a VA loan. He said it wasn't a problem.

4. Once the co
rrect loan with correct borrower was complete, he then realized that the rate I was initially offered was not close to what was currently offered. He said not to worry because we'll float and he'll get us a better rate before locking it in.

5. Now, he tells us the process is delayed to XXXX because we need to wait the 6 months that I originally told him we did not want to wait. 



In order to address these issues, I asked repeatedly for a supervisor 's contact and was ignored. I called the customer service number on the Amerisave website, was connected with an agent who said they would put me in contact with XXXX 's supervisor. He asked if I wanted XXXX to call me back. I said no. XXXX then called me stating that the agent informed him that I was calling asking for his supervisor. He would not provide me the contact, so I requested to cancel the loan with the company. He then said, " ok '' and hung up. I emailed confirmation that I would like to cancel. He then called twice and texted me. I asked via text again for a supervisor contact and he would not provide it. 



It seems the company made whatever promise they needed to get us to apply for the refinance, then the rate and ability to refinance sooner were not delivered after a 2 month process.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I applied for modification in XX/XX/XXXX. Bankruptcy court did approve it. PHH still doesn't acknowledge it, and is reporting me late to Credit Bureau and trying to foreclose. I have emailed them multiple times, and most recently sent them info on XX/XX/XXXX. I am so frustrated. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I live in California and have made my payments to PHH Mortgage Company. If my payment is going to be delayed within the 30 days mark I have always notified them. My niece was making a payment back in I believe in XX/XX/XXXX and out of the blue the representative said we have increased your mortgage payment. Mind you I have a fixed 30 year loan. I was never notified at all about an increase. The only increase I was aware of is when Trump increased it by {$100.00} ( and it should not have been ) and I had a few late fees I am aware of. 

It seems each time I talk to someone the storyline changes. I was told for months that I owe for the late fees and the amount I was owing was like {$150.00}. I feel like some where I am being taken advantage of and I am a senior citizen. 

My original house payment was {$1700.00} ( approximately ) and now I am paying {$2000.00} and something. How? Like I had mentioned the late fee and the {$100.00} increase I should be only paying. I was told this is my new payment due to increase in my property value and like I said they claim it has been since XX/XX/XXXX. I was not informed of such a thing until XX/XX/XXXX when my niece was making the mortgage payment. 

I made my mortgage payment by phone on XX/XX/XXXX and was charged a phone fee {$17.00} and was not informed. My niece was reviewing the payment confirmation and was like it seem like your payment is increasing. I need help because I don't like where this is headed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Due to the pandemic I was laid from my job. I contacted Capital One to let them know and they offered me no assistance due to the CARES ACT. I tried to make my payments with the little money that I had and my account was hacked and my money was taken from my account. I contacted Capital One and told them that my money was stolen from my account and the payment couldn't be made. Once I received the money back from my back I made an immediate payment to restore my good credit. Good credit is very important as you can see I was never late before the pandemic happened. I have been on the phone with Capital One constantly to reclaim my perfect payment history but no one seems to help. This is frustrating as this is not the fault of mine but due to the entire country shutting down without any warning. I am a very good consumer and I would love to be seen as that not as a late paying consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
i had a car loan with santander consumer usa. santander had a lawsuit filed againist them for violating consumers rights with high rates knowing consumer like myself couldnt afford. the company was in ligation and i would like this account removed because i fall in the guidelines of the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I closed my CHASE Bank checking account in XXXX I believe. 
Chase Bank sent me a letter by mail said that I have a past-due balance of {$2500.00} which I have to make a payment on XX/XX/XXXX. 
I made the payment by cash on XX/XX/XXXX at the branch where I closed my checking account and I believe the record is in the bank 's system. 
However, Chase sent me the same letter on XX/XX/XXXX indicated that I still need to pay that {$2500.00}. And another letter was sent on XX/XX/XXXX, indicated that Chase has received my {$2500.00} as a deposit but they are unable to locate a Chase account cause I've closed my checking account. So I went back to the branch to figure out what is the problem. 
After talk with the banker, the issue is the cashier who helped me with the payment made a mistake by making a deposit instead of a payment. Payment is what supposed to be instead of the Deposit. So the banker called the phone number on the letter I received which is XXXX to change the type of deposit to the payment and told me all set. 
Surprisingly I received a letter which was sent on XX/XX/XXXX and said that the bank has reviewed my account and determined that its balance of {$2500.00} and current status are accurate, which means I still owe Chase {$2500.00}. But when I called the banker, she still told me the letter means all set. 
In last week I just received another letter that sent on XX/XX/XXXX and said I need to make the payment ASAP cause there is still a {$2500.00} past-due balance. 
It has been 4 months till today since I gave the cash to the Chase bank on XX/XX/XXXX. 
Unfortunately the banker told me that there is nothing she can help with cause the collection department and deposit department don't cooperate. 
My top claim is the Chase bank need to correct their mistake and delete my record of the over-due payment cause I paid 4 months ago. Otherwise the Chase bank needs to give that {$2500.00} back to me first if they want me to make the payment for the second time, and the record needs to be removed as well. 
Thanks for your time and I do appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Consolidated Information Services Solutions, LLC
State: OH

Complaint narrative:
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CISS LLC Inquiry Date XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I sent a check for payment of my credit card balance to the credit card company. The check was stolen before it reached the destination. The payee and amount were changed on the check then cashed at XXXX XXXX. 

This was an obviously fraudulent check, anyone could easily see that the check had been altered. The check went through XXXX XXXX  and then was sent to Huntington bank which took money out of my savings to pay the check. I am out {$6000.00} that the Huntington bank refuses to give back. 

They have told me that I needed to wait for them to straighten the problem out with XXXX XXXX. Now I'm being told that I have to trust that XXXX XXXX  will send me a check to reimburse the money that Huntington bank took from me. 

This happened in XX/XX/2020, I still don't have my money. The bank was notified the beginning of XXXX and has given me the run around ever since. Now they are washing their hands of the matter completely. 

I do not do business with XXXX XXXX, my bank is Huntington bank. XXXX XXXX  did not take my funds, Huntington bank took my money. I'm paying the price for Huntington bank 's error. Huntington bank cashed a forged check and is making me responsible for it's negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18 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: CA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Was garnished by attorneys for debate owed to capital one bank. Went to court about the garnishment and the attorney office agreed to a settlement of {$1600.00}. I paid debt to attorney office that said they represented capital one.XXXX was attorney office. At court proved I never received notice of debt or a garnishment so they had to stop all collection actions. However Capitol one continue to report on my credit debt. When I call them they refer me to the attorneys office number above. contacted negotiated a settlement and paid it. So the agreement was settled and paid as agreed is what should reflect on my credit report. Since Capital one knows I am trying to by a house they are intentionally affecting my credit. I have not had an account with them over 6 years now they are starting to have different collection agencies call and send me letters. Issues and matters are resolved and paid for. Capital one written the debt off and negatively impacting my credit when they gave another permission to falsely lie and say debt will be paid. I paid XXXX financial on XXXX who was to also report balance paid as agreed and zero out debt. paid them {$1500.00} paid capital one attorneys {$1600.00} I have called both places and asked to have removed and contacted XXXX and XXXX and XXXX to remove and dispute. i provided receipts this should be removed from my credit. Because they lied I was made homeless on XXXX because my wife and I sold our house relocated and had a home under contract when theses creditors did not keep there word adversely effected me. Capital one will allow an attorney to settle debt but still report the balance and sell the settlement to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I XXXX XXXX XXXX the consumer entered into a financial credit transaction on this date XX/XX/2013 and the BANK that would be doing this financial credit transaction is CHASE the name printed on the top left side of the financial credit transaction contract i entered into as shown in the exhibits. a consumer credit transaction is transaction in which a finance charge is involved Pursuant to 15 USC 1605 a, a finance charge is the sum of all charges in a consumer credit transaction because i know the finance charge is the sum of all charge i did not expect to see on the contract a pay by date and the payment requests that followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I tried to transfer 5 LTC from XXXX to Coinbase. The Coinbase site generated a XXXX address in their finicky tool instead of a LTC address. XXXX processed the transaction to the incorrect address. Coinbase withholds the private keys to the XXXX wallet and support does not respond requests for the private keys so my funds are tied up on the block chain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
I refinanced my XXXX XXXX with another company and Hyundai processed an additional payment in XX/XX/XXXX. I have been trying to get a refund since then. Hyundai assures me that they will send the payment for the overage of $ XXXX. I called them on XX/XX/XXXX and was told the check will be mailed. The last communication was on XX/XX/XXXX. I asked if they could transfer the overpayment into my account because I have been told numerous times that the check would be mailed and I have not received it yet. Hyundai told me the payment would be mailed that day of XX/XX/XXXX. To date I still have not received the payment.

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