vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My Mortgage was with Bank of America from XX/XX/XXXXthru XX/XX/XXXX around that time I was unemployed and had to file bankrupted but from XX/XX/XXXX thru XX/XX/XXXX the payment were being made by the trusteed and Bank of American start out receiving payment in the amount of {$1100.00} and the payment drop to {$1000.00} but in XX/XX/XXXX I loss my job and the bankrupted case was dismissed and the last payment that was sent to Bank of American was in XX/XX/XXXX but I received a letter from Bank of American stating that the account was soled to XXXX XXXX  however I received a statement from XXXX XXXX stating that I own over {$11000.00} XXXX dollars but my attorney stated that the account was current and I 'm not sure who made the mistake ... ..Trying to clean up my credit report and I need some help ... .Thank you.

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 2017-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: MN

Complaint narrative:
Hi, I received a phone message from someone named " XXXX '' ( sp? ) supposedly from a company named " Premiere Credit XXXX XXXX XXXX '' calling on behalf of the " Indiana Department of Revenue. '' The phone message did not leave any details, but instructed me to call ( XXXX ) XXXX. They also gave me a reference number. 

I called back. First of all, it was VERY difficult to get through. LONG hold times, and kept wanting to have me leave a message, which made me wary. 

Anyway, when I got through, it was very confusing. It was hard to understand the person I was talking to ( perhaps calling from some foreign country? ), and they were not clear about why they were calling me with the exception of the fact that ( they said ) it had something to do with the " Indiana Department of Revenue. '' They asked me for my social security number, which put me on guard. But then, the woman I was speaking to HAD the last four digits of my social security number and asked me to confirm. She also had my middle initial. That 's when I became highly suspicious and ended the call. Sounded like identity theft to me, and I was n't going to talk to them any further. The woman I spoke to did not give me a clear idea of what she was calling about. 

I have no idea what business the " Indiana Department of Revenue '' ( which I highly doubt it was ) would have with me. I live in Minnesota, and have never worked in Indiana. The last time I was in Indiana was during the XX/XX/XXXX, on a car trip with my parents. 

My only conclusion is that this is some kind of identity theft operation. I hope you 're able to get to the bottom of it. I will also be contacting the actual Indiana Department of Revenue to report this scam, as well as the attorney generals of Indiana and Minnesota, and the Better Business Bureau.

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 2017-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase accepted, never refunded my cash, never answerer n good faith my complaint to, the cfpb n that 's like being guilty, using foreigners n another world with possession of my data, is like commercial activity, fsilure to controvert what I alleged repeatedly is deception in banking also denial of loans to unlike other banks chase is a scam artist sending computer generated documents instead of registering as debt collector and by law answering too the cfpb files I pursued instead retaliation vs my mom n their banking'3party, syndicators'chase collectibles, is a very immense sneaky little trick my mom is was POA, n they fig going after her would back me off fck chase! their arms had signs n were 'tethering my card by skim yet not giving cash back on those days, returning later my cash was gone .plus online transactions denied I was never refunded never got merchandise n still nothing from chase chase sucks XXXX, n must be severely monitored with how it handles cash n tjat I scam pitch 's pending'is true fraud .for real it 's gone, then  thev'ropeadope '' they say ai n't giving it cuz, its all foreigners n breached ATMs, n credit card cracking fraud n much more chase is involved with allowing'nonmatching, name transactions to occur online often n still no refund so yea, I would n't answer to cfpb either their pitiful deny me  access to my files n gov, complaints vs hateful groups of lending certain banks like XXXX with costs bikes up north on XXXX XXXX tell u it approved for a bank loan for bike n deny u bike until card comes? unreal like no XXXX XXXX XXXX XXXX loan at all, a and the XXXX bike is raggedly scratch filled hesitant overpriced raggedy, tires too chase something .claims this n that but..it 's aside get locations r nasty. No bike ramp, doors broken unsecure, atms, jammed, skimmed, wjike chase let 's customer loose n Teaches it 's XXXX guys working to snatch the card cut it up n throw it away cuz it 's evidence, as they input piece meal notes like '' covering their tracks in the act of unlawful taking my trust funds .living n letters '' research? " they fraudsters! shut, investigate, staybon chase period their retaliation vs my mom sicking '' their 3party syndicated groups on my mom to retaliate is heinous f @ @ chase n chase receivables whom disclosed my mom 's debt to 3party which voided  the debt plus they violated the statute with debt collection under USC 42_1692section they all do XXXX XXXX looser

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
This complaint relates to the credit card issuer improperly charging interest on a cash advance and failing to apply payments to the highest interest-rate balance first, as required under the federal Credit Card Accountability Responsibility and Disclosure Act of 2009. 
I have a credit card issued by USAA Federal Savings Bank, issued in XX/XX/XXXX, that was offered with an introductory 0.00 % interest rate on balance transfers through XX/XX/XXXX. 
I made XXXX balance transfers to this card, XXXX for {$12000.00} on XX/XX/XXXX, and XXXX for {$6000.00} on XX/XX/XXXX. Both of these are subject to the 0.00 % interest rate. 
Additionally, on XX/XX/XXXX, I used the card for a cash advance of {$2500.00}. That cash advance is subject to an APR of 8.9 %.
On XX/XX/XXXX, I made a payment of {$1000.00}. On XX/XX/XXXX, I made a payment of {$2500.00}. Neither of those  payments were applied in full to the cash advance. Instead, only {$600.00} was applied to the cash advance, and the rest of the payments were applied to the zero-interest balance transfers. 
When I spoke with USAA customer service representatives on the phone, once in XX/XX/XXXX and again onXX/XX/XXXX ( after receiving the latest bill ), they said that the payments were being applied to the earliest charge first ( the balance transfers ), and would continue to be so applied until those are paid off in full, and would only be applied in full to the cash advance balance after that. In the meantime, they informed me, USAA intends to continue to charge me interest at an 8.9 % APR on the cash advance. 
I pointed out to the USAA representatives that such a policy and practice is violates the federal Credit Card Accountability Responsibility and Disclosure Act of 2009. That law clearly requires credit card issuers to apply any payments in excess of the minimum to the highest-interest balance first. That law explicitly includes cash advances. 
Since USAA has declined to correct this misapplication of my payments, and is continuing to improperly charge me interest, I am requesting the help of the CFPB in having them immediately adjust those payments to apply them retroactively to the cash advance rather than the 0.00 % APR balance transfers, and to have USAA reimburse the improper interest rate charges of {$15.00} made on XX/XX/XXXX, and {$14.00} made on XX/XX/XXXX. 
I also request the the CFPB ensure that USAA is not improperly charging other customers interest and improperly applying payments to balances chronologically, rather than according to which has the highest interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I accessed my personal credit file from the individual Credit Reporting Agency 's and noticed that there were several ( 25-35 ) unauthorized credit inquiries on my report. I contacted Equifax directly and spoke with 3 different representatives and  explained that my credit file was accessed 3 times in one day by a company and 5 times within 8 months by another. I advised them that my credit file was being abused and they kept stating that it was a factual representation of my file. I went over each inquiry with the representatives one by one and let them know which inquiries i authorized and for what occasion, and they refused to remove or investigate the inquiries. I was in fact told by the representative ( supervisor on duty XXXX ) that they do not investigate inquiries and in fact the ability to dispute them online or even by sending in a motion to investigate the inquiries via mail, are pointless and will not be investigated because " it is a factual representation of the consumers credit file ''. This is hard to believe when I, as the consumer, openly stated which inquiries i authorized and which ones i did not! As stated by FCRA rules all disputes must be investigated. Equifax is failing to comply with FCRA laws and regulations. The inquiries in dispute are listed with their corresponding dates : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX :XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX :XX/XX/XXXX ( not a typo twice in one day ) XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX ( yes they accessed it 3 times in one day ... you now see my point ) XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX As you can see from the inquiries listed  above, there has been misuse of my credit file and the representatives of Equifax refuse to handle the situation promptly, instead they state that inquiries will not be investigated, which directly goes against FCRA laws and regulations. FCRA section 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
In regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, CA. XXXX XXXX XXXX fax NMLS # XXXX They do a very hard sell, do not take no for an answer. They showed me what my mortgage and costs would look like. I sent them the information they asked for. They had me go online to sign forms. When I looked at the mortgage information on their site, the costs where higher. I told them via email XX/XX/2017  that I had changed my mind and did not want to refinance my home at this time. Since this day they have called me 2-3 times a day, every day, asking me to call them back to talk about this ( XXXX XXXX XXXX - Sr. Mortgage Specialist ), he also had his boss call me ( XXXX XXXX XXXX - District Manager ). Then they sent me a letter with both of their business cards. They continue to call me 2-3 times a day to this day, including Saturdays and Sundays. I do not answer the phone as I feel I do not owe them an explanation, I said no. They need to stop! This is harassment. If they do n't stop I feel I would need to hire a lawyer.
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: WA

Complaint narrative:
XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to XXXX about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to XXXX  letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to XXXX I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite XXXX saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment om XX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check XXXX says I still owe money.

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 2017-08-28 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to XXXX about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to XXXX  letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to XXXX I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite XXXX saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment om XX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check XXXX says I still owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to XXXX about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to XXXX  letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to XXXX I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite XXXX saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment omXX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check XXXX says I still owe money.

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 2017-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
InXX/XX/XXXX, we took out a Home Equity loan with Santander bank. They offer an introductory rate of 2.24 for XXXX  months. Our intent was to pay down as much of our HELOC during the XXXX months, the account was setup to automatically take out the minimum payment. Which we were fine with to ensure we do n't miss any payments, we tried multiple times to pay additional funds towards principal online and could not figure out the system on the HELOC page there is no place to make a payment or set up additional principal payments. We first contacted the branch they sent us to customer we had to make XXXX calls to customer service in the span of a few months before someone told us the only way to make a payment was to actually transfer money from our checking into the HELOC account. I can not make payments from other accounts, nor can I set this up to pay more than just the minimum. As a consumer I am upset that this feels like they are making it difficult for me to pay down the principal during a promotional rate. The amount of people and phone calls I had to make to figure out the piece about transferring the funds was unbelievable most people would 've just stopped as they made it very difficult to get an answer. When I contacted I told them I would not get off the phone until they could tell me how to make additional payments I had to tell them that this should be illegal, finally the customer service rep had to contact a few departments to get the answer about transferring funds. 

I normally do not contact agencies like this to make complaints but I believe this should be investigated, if they are doing this to me - I consider myself a fairly knowledgeable person with lots of computer experience I ca n't imagine what has happened to others. 

Thank you.

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 2017-08-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My credit report for my whole life had been over XXXX until I bought a Toyota and traded it in for a lessor quality Toyota and then Surrendered it for the first time in my life. Then Got hurt on the job and my employer did n't pay the bill and I did n't know for 3 years. Its all taken care of except for my STILL low credit score. Could yoy please look into this and let me know why my score is so low still. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX, I reported my debit card missing. After reviewing my account I discovered that there was an ATM withdrawal for {$300.00} that I did not make or authorize. I disputed the transaction, and after numerous phone calls I was told that the dispute was denied. I was not given any reason, on the phone or in writing. I disputed it again. After another 10 days and more pone calls, I was told they denied it again, because there was a charge made to XXXX, for {$3.00} onXX/XX/XXXX that was authorized. I went to my local branch and disputed the transaction again through the branch manager. I explained to her that the XXXX transaction was as follows : On XX/XX/XXXX I rented the movie, where I had to swipe my card, but not charged untilXX/XX/XXXX after the movie was returned. This is how XXXX works, so you get charged for the amount of days you have the movie. I was charged for 2 days because the movie was returned after XXXX XXXX. I forwarded the email from XXXX, stating the day the movie was rented, to the branch manager and she forwarded it to the " department ''. Again, after more phone calls, and no one ever lets me speak to the people who make these decisions, my claim was denied. I have been on the phone for hours at a time, submitted paperwork, emails, and never once does anyone ever know what is going on or do they ever let me speak to someone in the research department to try to resolve this in the proper manner. If someone from the " department '' would talk to me, maybe I can provide them with more clarity to resolve this. I can forward you the email as well, but I have no way to attach it below.

Company response to consumer: Closed with monetary relief