vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
RE : TD BANK COMPLAINT In the Spring of XX/XX/XXXX, I received my yearly request for proof of my hazard insurance from TD bank where I have a small mortgage on a home. I sent proof to the fax # they provided in their letter. I sent it 2 times. On XX/XX/XXXX I received a 2nd notice that they did not have receipt of the insurance. I then had my insurance company send it. 
On XX/XX/XXXX I called the number on the letter and spoke with " XXXX '' who confirmed the bank 's receipt of the homeowner 's insurance policy. I faxed it again to the name on the letter. ( attached ) I received another letter dated XX/XX/XXXX, still not acknowledging receipt of the policy. I then on XX/XX/XXXX,  XXXX XXXX, again called the number on the letter and explained, again, that I have sent and received confirmation that the bank had my insurance policy on file. I spoke with " XXXX '' and she verified the same. 
Again, I called on XX/XX/XXXX ... ditto. 
I received a TD bank monthly payment notice for XX/XX/XXXX stating that on XX/XX/XXXX my mortgage amount would be going up from {$1800.00} to {$2400.00} automatically deducted from my checking account. I called again on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX who again stated it had been corrected and would have a supervisor, named XXXX XXXX, call me to confirm this would be immediately corrected and I would be credited the overcharged amount that they withdrew from my account. 
I called again today, XX/XX/XXXX and spoke with " XXXX '' who said a supervisor would call me back. I said I would like to speak directly to a supervisor and she transferred me over to " XXXX '' who again apologized and said the escrow dept was at " year end '' deadline tomorrow but should get back to me tomorrow. 
This is a fraudulent, bogus business practice. I have been trying to get this resolved for 8 months and now they are overcharging me for duplicate insurance. This is highly unethical and illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Having issues linking checking account from TD Bank through third party apps on my phone to manage my accounts. ( XXXX, XXXX XXXX ) error received that TD Bank is blocking applications.

Called TD bank spoke to a rep and that stated that they cant help. That they are not blocking anything. However upon searching online I see similar occurances from other consumers. With similar investigation apps such as XXXX, transactions not getting posted, or issues verifying account information. 

Accessing TD Bank online works fine except when trying to link separate accounts. 

Issues have been going on for about two weeks on my end and I called and spoke to the bank rep on todays date X/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC
State: CA

Complaint narrative:
I had set up a recurring payment from my bank to my mortgage processor, GMFS, who subsqeuently changed the amount of payment required. While continuing to accept and cash my checks, they stopped crediting my payments to my account because they were " short payments '' and they " ca n't accept '' short payments. 

Though they claimed to have sent me letters and called me, no calls were received, and no letters to the effect that payments were short, were received. When I called to follow up, I asked if they had been calling, they claimed that they had been ( to my cell phone number, none of which were ever received ), and they had been in in fact, calling an erroneous number XXXX. 

I also logged into their account management interface several times and was never alerted to any problems with my account during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Tax Lien still showing on my credit report. It 's been over 7 years. The tax lien was showing a property in another county that I have never lived in.

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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
I had submitted an application for a loan however i called as soon as i had submitted the loan application for Toledo Finance in XXXX, Texas, to go ahead and disregard my application and to ensure that it will not show on my credit report. It has still gone through as a processed loan after i had advised them twice i did not want the application to be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Saturday XXXX XXXX, 2018 I received an email from Bank of America to take a survey. I have NEVER took a survey before and it will be my very last one!! I have a pic of it too. At the end it stated I could win up to {$200.00}. So all I had to do to get some kind of skin cleanser was pay just for {$4.00}. It was on the Bank of America survey on my XXXX. I know I did NOT complete it, but a few minutes later I had an email from a company called XXXX XXXX XXXX which I never heard of and they charged my B of A credit card of {$4.00}. I called the number on bottom of receipt of XXXX and I called over a dozen times to cancel and they said they could find NO account for me even though there was an order number on my receipt and they charged that amount on my Bank of America credit card! I called B of A 10 times and told them every detail and spoke with fraud and dispute dept. and asked to speak to a manager every time and they would not do it! I have cried enough tears and I so upset as that skin company is a subscription and will take out {$69.00} every 30 days from my card and NO ONE can help me!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
I purchased some tires and rims from XXXX for XXXX 90 days same as cash i went past my 90 days by 2 or 3 weeks i paid XXXX plus to my XXXX balance when i called XXXX XXXX i asked for a pay off and was willing to pay but i was told since i went pass my 90 days i would have to go the full loan which would be another XXXX dollars over the next 8 or 9 months that is not fair my balance should have been XXXX to XXXX dollars i was willing to pay cash i will not let them continue to take XXXX by weekly out of my account i tried working with them but they want to make me go the full term.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
XXXX XXXX has frequently called my phone number, my family members phones, and my work phone numerous times a day. After finally getting sick of her annoying attempts, I emailed her and told her to not contact me any further at work on XX/XX/18. After I sent that message she decided to send a fax over to my work. Since I sent in writing that she was not allowed to contact me and she did, she has violated the fair debt collections act. I informed her I would not speak to her until I consulted with my attorney as after I spoke to someone last month and received my paperwork I noticed on my loan amount that XXXX XXXX had crossed out the amount that I wrote in and doubled it. Since I did not authorize that and was not told of it, that would be a fraudulent charge and I need to speak with my attorney on what I should do. XXXX has called me about 5-6 times a day since XXXX begin, every single day, she called my family members harassing them as well and now she is calling my work 2-3 times per day as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: U.S. BANCORP
State: NV

Complaint narrative:
I went to apply for a checking account at US Bank in XX/XX/XXXX. When I applied I I was told by Assistant Manager XXXX XXXX that I will pre approved for a line of credit. I asked him several times if I decided to proceed, would this be a hard inquiry on my credit report. He ensured me that it would not be a hard inquiry it is a soft inquiry. I then decided to proceed. He also stated that I would have 30 days to apply for a credit card using this soft inquiry. The next day decided to try to apply for a credit card after knowing this. That same day I got a credit monitoring alert from XXXX and XXXX which showed a hard inquiry on my credit reports. I called and spoke with XXXX about this the next day and he stated that " he never said it would n't be a hard inquiry. '' He is then told me that I would have to send in a claim to there claims department. I called their claims/fraud department and started a dispute with them. A few weeks later I received a letter stating these inquiries we 're verified. I decided to call the branch back and I spoke with the branch manager XXXX XXXX. XXXX stated that there is some information on his end that needs to be submitted and offered to call me back. He called me almost a week later and said that he submitted the necessary information so that these can be taken off. It has been nearly two months since he told me this and the inquiries are still showing on my XXXX and XXXX credit report. I have not contacted them back since because at this point I 've lost faith that they did their beat to rectify the situation.

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 2018-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
We fell behind on our mortgage due to temporary unemployment. We communicated with LoanCare to let them know about our difficulties. We were advised to fill out a Loss Mitigation packet. After almost 2 months of back and forth with that part of the company, we were denied for assistance. In the meantime, we have borrowed the money to catch the mortgage payment up. I have been trying to pay for this for over a week now. Here we are ONE DAY before our home is supposed to go up for sale and no one wants to help me. I call LoanCare to see how much I need to send them to make my mortgage right, they advise me that they can not give me that information, that I have to call the Law office handling the case. I had already called the Law Office last week, Thursday to be exact. They had to request the information from LoanCare. I am going back and forth with them, and now they will not even answer my phone call or call me back. It 's almost like they do n't even want the money for the house! Do they enjoy it when people lose their homes?? I am beyond furious with this company. I have been on hold all day only to be told that no one can help me. The Law Office has contacted them multiple times requesting the amount needed. The least they can do is answer the law office with an exact amount I need to pay so I can get this out of the way and move on. It really is n't that hard.

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 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Closed my credit cards out of the blue, after being a Chase card member for years. I have never paid my bill late and always pay off my balance. I paid annual fees on some of the cards they closed and they were not willing to refund my prorated annual fee. 
I went to use my card one day and it got declined, they could have at least called me or sent me an email to notify, but no they said they mailed me a letter. Well by the time I get this later it is too late, I had to find out my getting my card declined. This is outrageous. I was left high and dry without a way to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I purchased what was marketed and presented to me as new vehicle on XX/XX/XXXX from XXXX XXXX XXXX located in XXXX, OH. I signed a finance agreement for a new vehicle. On XX/XX/XXXX I went in for routine maintenance for the vehicle and was told that my warranty was expiring in 44 days. I asked how this could be when I was told that the new vehicle has a XXXX month XXXX mile warranty on the vehicle and that my vehicle was a certified preowned vehicle and not listed as a new vehicle. I reviewed this with the salesman who brushed it off. I contacted XXXX Customer Service and was informed that my vehicle was indeed a certified preowned vehicle. I brought up my concerns to capital one auto finance dealer complaints department. I was contacted by a representative today XX/XX/XXXX I was informed that she ran the XXXX report on my vehicle and it also shows the vehicle as certified pre owned vehicle. The Capital One Auto Finance representative then advised me that she reached out to the dealership and was told by the dealership that the vehicle was a demo car and not a new car and that they do not require the dealer to disclose this information unless it is a requirement by state law. I advised that in the state of Ohio they are required to disclose if the vehicle is a demo and the capital one rep explained that it was nothing that they could do because the vehicle would meet new vehicle guidelines per the company policy because it has under XXXX miles on it at the time of the sale. I asked for some proof that she was told that the vehicle was a demo vehicle and the rep at Capital One Informed me I have it already if the information that I have is showing that the vehicle is preowned and if I needed anything for a lawsuit that is the only time they are willing to help. Capital One allows this type of deceptive business practice. I should not have paid new car prices for a pre owned demo vehicle that was not disclosed to me. This is affecting the value of my vehicle and it not what I agreed to and am paying for. I attempted to reach out the dealership who assures me that the vehicle that I purchased was a new vehicle and not a certified pre owned as listed in the XXXX systems and on XXXX reports. When I asked why XXXX and XXXX are saying otherwise he was not able to offer me any explanation and could only say the vehicle was a brand new vehicle and that is why I received a tax rebate. I asked why would a new car have a certified preowned warranty? The only response I received was I do n't know. When I asked if the vehicle was a demo he said that you can call it that and maybe it was used by the dealership employees or some customers may have driven it. The General Manager offered no solution to the problem. I am stuck with paying new car price for a certified pre-owned demo. What I agreed to finance is not what I received and have been paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Received letter dated XX/XX/2017 fromm IC System re account number XXXX. I asked IC system to validate debt and they were unable to do so therefore I am filing a complaint.

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 2018-01-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
There is a Bank of America account listed XXXX which was an auto loan the car was totaled out and I was told do not do anything as the account is frozen until the insurance company reports back to BOA which I did what I was told to, the auto loan was paid off but after pulling my credit report now this paid off account is reporting a 60 days late which is NOT accurate. I need some help here I care about my credit rating and this is very hard to handle as I do not pay my bills late.

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 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: RI

Complaint narrative:
This is a secure Discover credit card which I opened with a {$300.00} security deposit in XX/XX/XXXX. In XX/XX/XXXX, I filed for chapter XXXX, which resulted in Discover closing my card account. I contacted Discover around XX/XX/XXXX to inquire about getting the remaining balance of my unspent security deposit refunded back to me, approximate {$53.00}. I was told by Discover that I needed to wait for my discharge before I could get my money back. I again contacted them near XX/XX/XXXX and was told that they did not update their system with the discharge date and I would again need to wait again, since they just now did so. I again attempted to contact them today, and was told that they applied a balance to my card account in XX/XX/XXXX, and the statement closed in XX/XX/XXXX, and I would again need to wait. To date, it has been approximately 6 months that I have been waiting to receive the unspent balance of money that I gave to them last year, and they have done nothing but give me the run around whenever I call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
I have received dozens of phone calls from McCarthy, Burgess & Wolff claiming that I owe XXXX XXXX a balance. I have repeatedly told them that I do not owe XXXX anything. They accuse me of not returning equipment. I have repeated told them that I have no equipment and that it was all hand delivered to my XXXX Account Manager. They told me without proof, I was liable for the charges. I have, on three different phone calls, conferenced the XXXX Account Manager into our conversation. The XXXX Account Manager has told McCarthy, Burgess & Wolff, each time that I do not owe the money but that it is credit approval issue at XXXX and the problem will get resolved by them. 
McCarthy, Burgess & Wolff has begun calling my daughters cell phone informing her that I am in collections. I want the phone calls stopped or I will begin my own legal pursuit seeking damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I paid XXXX XXXX six ( 6 ) payments on my XXXX XXXX credit card account. I called their telephone number on XX/XX/XXXX to get the balance. I was given a person with whom to speak but she said, " The system is down. I have limited access. '' I have no idea about what she is talking. 

I should be able upon calling to know precisely how much they received that I had paid! 

Nor would she send me a statement as I had requested. 

So I do not know how much I have remaining on my credit card account! 

But I should have been told by her precisely how much is remaining! 

XXXX XXXX is inefficient and slow in handling my payments and unable to tell me my current balance! 

XXXX XXXX handles the XXXX Rewards card and is big enough to provide the information that I repeatedly requested to no avail today!

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 2018-01-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit reports state no payment made for the month of XX/XX/XXXX. According to banks own records this is not accurate.

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 2018-01-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit reports state no payment made for the month of XX/XX/2015. According to banks own records this is not accurate.

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