vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Divorced and paid off mortgage when sold property. Escrow refund was sent to two named payees with my name appearing first. Check was forwarded to second payee who mobile deposited into individual account and mortgage company accepted check when presented by bank although check was endorsed with only one signature ( not mine ). Bank representative stated policy is to require both signatures but mobile deposits are handled differently, that mortgage company should not have approved with only one signature.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
XX/XX/2018 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} in the form of a company hand written check by its owner. The check was given to general contractor at my home where we discussed the remodel job. This first installment was to pay for kitchen cabinets and to start the remodeling job with the memo line reading for XXXX ( name of building and unit ) XX/XX/2018 XXXX XXXX XXXX, XXXX, processed my {$15000.00} check for cabinets, install and commencement of work at XXXX XXXX at a Huntington Bank branch most likely in XXXX, IN. 

Owner signed the check with his name only. 
The Huntington Bank guidelines for XXXX check endorsement policies : 1. Business Endorsement on a Check : If a check is made payable to a business, then an authorized person must endorse the check on behalf of the business. 
a. Sign the name of the business as it appears on the pay-to line. 
b. Sign your name c. Write you title with the company ( Owner, Accountant, etc. ) d. Add any restrictions like For Deposit Only.

2. Match Name on Check The name in the endorsement must match the aye ( Pay to the Order of ) name on the front of the check. 
The check was negotiated for the full cash amount of {$15000.00} written to an LLC with improper endorsement according to XXXX XXXX endorsement policies and disclosures. 

XXXX Company Name : XXXX XXXX XXXX XXXX Signatory and title : XXXX XXXX XXXX, President Huntington Bank also states on their website all checks written from XXXX requires a two day hold. Huntington Bank VII. Funds Availability Policy ( Page 16-17 ). 

According to the Huntington Bank availability of your funds, deposits made from XXXX Accounts the entire amount will be available on the second business day after the business day of deposit ( However, at least {$200.00} of your total deposit will be available for withdrawal on the next business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
In XXXX, I have called Citicard to cancel my Citi AAdvantage premium select card ( card number ending XXXX ) to avoid any annual fee. The agent talked me to upgrade to a Citi AAdvantage mileup card ( card number ending XXXX XXXX to avoid annual fee and will remove the annual fee charges on my AAdvantage premium select card. I agreed. However, after a couple of weeks, I noticed the annual fee still on the statement. So I called and was assured that the fee will be removed after the card is transitioned to the mileup card. 

After the card has been transitioned, I still see the annual fee, plus interest charges. So I called citicard again and demanded them to remove these fees and close this credit card account. I was told that they will take care of it and send me an email confirmation. 

I still see the charges on the statement, Citicard has mislead me many times, I'm not sure how to get help at this point. I hope you can help me. 

Thanks, 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 2019-08-12 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: OK

Complaint narrative:
To Whom it may concern : Starting in XX/XX/2019 I started reviewing my credit file for inaccuracies and found several with old addresses, phone numbers and names that did not belong to me. I contacted the credit bureaus to get the information that was not mine updated. Upon doing so a Fraud Alert was placed on my account with Equifax, without my request. I immediately contacted them and had the alert removed. When I did this the representative opened disputes on all my old accounts that were closed and reopened them to show negative marks such as past due or charged off. This immediately caused my credit score to drop over 25 points. Equifax has continued to cause inaccuracies on my consumer report causing much distress and inconvenience. With the XXXX Account myself and XXXX   have submitted request several times to update accurate account balance information. Equifax is still showing a high balance from XXXX of 2019 in the amount of XXXX. And they have refused to update with the correct statement balance of XXXX, which is causing my credit utilization to be high. 
With Equifax making the inaccurate updates and changes it is notifying XXXX of the changes causing this credit score to not be accurate. I was at a XXXX and because of this I have now dropped to a XXXX. I have had to lose time at work contacting creditors to make the correct updates and they are unsure as well why the accounts have been updated and or changed. I have worked extremely hard over the last 6 months to put my family in a position to buy a house and start a new business and with the way Equifax and XXXX has handled my accounts and request have prolonged this from happening and has caused me more stress than I ever have experienced. Due to Equifax it makes it look as if my bankruptcy has started all over again and has ruined the chance of any bank extending me credit. My credit report was locked with XXXX XXXX, XXXX and XXXX XXXX, yet they were still able to make request. I feel like my rights as a consumer have been violated. 

I would like for the negative remarks to be removed from my credit report and my credit report back to the original status that it was in XX/XX/2019 reporting score at XXXX. I would like to further investigate filing a lawsuit against Equifax for all the damages, time taken away from work and distress of having to deal with this getting fixed again. I would like to see my accounts reflect accurately. I would like for all of the old addresses & incorrect information that Equifax has listed that has already been requested to be removed to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I sold my building and escrow sent my funds to my Bank of American account, XXXX XXXX. From XXXX XXXX XXXX I want to transfer the funds to my wealth management account XXXX. I went to the Bank of America at XXXX Texas on XX/XX/2019 and completed the wiring instructions. I was told everything looked good. I informed my wealth manager that funds were on their way. He called me many times he never received funds. I call the branch and was told that I was turn down because their was no signature card on file. Not true, branch manager was able to bring up my signature on his computer. The branch manager called and left voice mails and emails to superior. He got no response. Today I went to the branch and manager told me that Bank of America is closing my account on XX/XX/XXXX and reason give they do not want to work with companies like mine. That was the only reason give. My company purchase and rent office buildings. 
My wealth manager purchased investment bonds for me in hopes of getting the funds. 
Because B of A did not send the wire I lost {$8000.00} because wealth manager had to sell the bond he bought. I was on vacation from XX/XX/XXXX to XX/XX/2019.

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 2019-08-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
CLAIM ID : XXXX and XXXX XX/XX/XXXX- Filed a fraud claim with Chase against XXXX charges XX/XX/XXXX- Fraud claim closed and I was made aware these charge came from my account XXXX XXXX Contacted XXXX by phone and learned charges were from " XXXX XXXX  '' XX/XX/XXXX - Emailed XXXX XXXX and got email claiming XXXX can do the refunds XX/XX/XXXX- XXXX attempted refunds . Several were successful but most error-ed out do to system issue XX/XX/XXXX - Opened a Dispute claim with Chase per XXXX recommendation XX/XX/XXXX - Chase Dispute can not dispute as it was not fraud. 
XX/XX/XXXX - File a complain and was assigned XXXX from Executive office XX/XX/XXXX. 3 Way called with XXXX Support : XXXX  and Executive office Chase : XXXX. XXXX asked XXXX to do a charge back. 
XX/XX/XXXX - Sent another email to Chase Dispute ( not Fraud department ) confirming both XXXX and XXXX XXXX  noting a refund can be done. 
XX/XX/XXXX - XXXX denied refund because it was not fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
I submitted my first set of paperwork for verification of loan payments in XX/XX/XXXX. At this point my loan servicer was changed from XXXX ( had been others ) to FedLoans. As of XX/XX/XXXX Fedloans has still not been able to verify any of my SIX years of loan payments. I have called innumerable times and every time I call they tell me that they don't know when they will be able to verify my past six years of payments. I have made every payment on time and by the book so it is extremely troubling and anxiety provoking that after 2 years of being with Fedloans they are still giving me the run around and can not verify these payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX ( 11 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Data Search NY, Inc.
State: TX

Complaint narrative:
TRAM America ( XXXX XXXX ) is a law firm that represents XXXX XXXX XXXX to try and collect the debt on their behalf. They sued me without any warning that they were going to do so. They also did not serve me with the papers because I no longer lived in that state. I called them for a week ( XX/XX/2019-XX/XX/2019 ) and they did not pick up or return my messages. Finally, I had to call XXXX  XXXX XXXX for them to connect me to a TRAM America representative. I can not qualify for anything and this debt ( {$2800.00} XXXX is seriously affecting my quality of life. I explained to them that I wanted to settle the debt. But the most important thing was they reported to the Credit Bureau. The lady was rude and unprofessional. She made me feel small and disrespected. They do not report to the Credit Bureau- how does that help me? If I am making may payments, that information should be communicated to the Credit Bureau and my score should improve. TRAM America should be ashamed of themselves. They're a group of lawyers who are out to get the consumers, they care nothing about us and only want to push for their quotas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I received a Cashiers Check in the amount of XXXX. XXXX XXXX : Capital One Bank, XXXX XXXX XXXX, Dated XX/XX/2019. Pay to the Order of myself. I was under the understanding that Upon receiving the check a car wrap from XXXX was to be delivered XXXX to my residence then I was to confirm receipt in order for the XXXX   Co. Schedule the wrap with a contractor. I was instructed to keep XXXX and the remaining XXXX was to kept and payment made to the contractor. I was under the understanding that this was a legitimate check. Upon trying to comply with the directions the teller at my local Bank XXXX XXXX XXXX refused to cash it do to believing that it was fraudulent, then informed me to take it to the police. I refused to do so after three years of trying to get questions answered that remain unanswered from the FTC, SEC, CFTC, FDIC, DOJ, FBI and XXXX XXXX XXXX. If this is a fraudulent check then it would appear that someone is slipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Divorced and paid off mortgage when sold property. Escrow refund was sent to two named payees with my name appearing first. Check was forwarded to second payee who mobile deposited into individual account and mortgage company accepted check when presented by bank although check was endorsed with only one signature ( not mine ). Bank representative stated policy is to require both signatures but mobile deposits are handled differently, that mortgage company should not have approved with only one signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
CONVERGENT OUTSOURCING ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This account does not belong to me, and I never authorized it. Please remove it.

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 2019-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
I contacted Penn Credit to pay off a debt, they freely without asking them gave out my whole social security number without asking. this information should not have been given out in its whole,. a scammer could just give them my number or address and they will recite a whole social security number to anyone with that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: Credit Plus Inc
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. 
Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. 

Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hi to whom this may concern I just received my credit report and it's showing that I have currently been past due, and that is incorrect I have not been past due on any of my accounts. you can check my credit and I have paid all my accounts on time. I would this derogatory remark to be removed from my credit report immediately Please and thank You ... it also shows Serious Delinquency on my repost that is also incorrect please remove the derogatory remark of my credit report. 


XXXX : XXXX 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 2019-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In 3Q 2018, I closed my Amazon Synchrony store credit card with two sets of balances : credit balance ( around {$70.00} ) and reward points ( around {$90.00} ). I called Synchrony to check the status of my refunds and was told that reward points are forfeit if I don't specifically request the points prior to closing the account. 

In XX/XX/2018, I submitted a complaint demanding a refund or a written explanation. Synchrony responded with a form letter thanking me for my " inquiry '' and gave me an 1-800 number to call back. 

1026.11 ( a ) defines credit balance as amounts held for the benefit of the consumer. Reward points are beneficial quantifies of amounts redeemable for statement credits. Therefore, reward points hold certain convertible and explicit dollar value at the time of redemption or account termination. However, Synchrony short circuits Reg. Z by claiming that reward points have no dollar value : 1 ) until redeemed, or 2 ) if the account is closed prior to account termination. Synchrony should not be allowed to yank balances from consumers prior to or after an account termination.

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