vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
I have previously had my closing agent XXXX XXXX XXXX XXXX XXXX, submitt a complaint to the CFPB twice on XX/XX/XXXX and XXXX 2019 about FirstBank Puerto Rico 's mishandling of payoff funds and their refusal to issue a satisfaction of mortgage. I refinanced my property and had my closing agent sent the payoff to payoff my loan on XX/XX/2019, the pay off funds were sent with a note under the additional information to recipient that stated " Loan payoff for loan # XXXX, as of today FirstBank of Puerto Rico refuses to issue a Satisfaction of Mortgage and has now report me to the credit bureau. Following is an explanation of what occurred since the date I refinanced my property. This occurred in XX/XX/2019, as it is common practice by all closing agents my agent called FirstBank Puerto Rico to send the wire after having confirmed the exact amount and received the funds needed to satisfy the loan, for reasons that FirstBank Puerto Rico has still not been able to adequately explain, FirstBank Puerto Rico placed the funds in suspense rather than applying to them to the pay off. FirstBank Puerto Rico has advised that the borrower ( myself ) should have called to explain how the borrower wanted to use the funds. This is a non-sensical explanation as the total amount remitted was the exact amount to pay off the funds and therefore, there was no other place to apply the funds but to the pay off. Also, FirstBank Puerto Rico was fully aware that my closing agent had authorization from me to obtain pay off figures and send the pay off funds Two months after closing and despite having full pay off funds in their suspense account, FirstBank Puerto Rico nonetheless decided to advance funds for the borrower 's insurance. As previously mentioned, we submitted a a CFPB complaint after FirstBank Puerto Rico refused to issue a satisfaction of mortgage as required by Florida Statutes. Instead, yesterday, we received a payoff from FirstBank Puerto Rico wherein it appears that they are no longer accounting for the escrow advance but are charging per diem interest from XX/XX/2019 to date plus unjustifiable charges " recoverable advance balance '', " unpaid late charges '', " payoff letter '', " registered mail '', etc We urge the CFPB to assist in resolving this issue which was created solely by FirstBank Puerto Rico 's incompetence and further ask that CFPB to launch an investigation into FirstBank Puerto Rico 's servicing procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2019 I opened a dispute with equifax regarding a collection from XXXX XXXX  regarding a XXXX  XXXX bill of $ XXXXDispute # XXXX. 
I submitted a copy of my payment of the amount of {$17.00} ( amount owed ) that was paid on XX/XX/2019. This dispute came back as verified on XX/XX/2019 as being accurate and updated. Nothing was updated not even the correct amount. 
I submitted a second dispute ( # XXXX ) on XX/XX/2019 adding additional documents showing that nothing is owed. All payments were made to XXXX  XXXX. 
on XX/XX/2019 this dibute came back as verified and valid still showing a balance of {$18.00}. 
I also contacted XXXX directly providing documentation and credit card statement of amount paid. 
Both XXXX  and XXXX  removed this collection. 
I don't believe it was verified correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: IN

Complaint narrative:
Key Bank branch at XXXX XXXX XXXX XXXX, XXXX, IN XXXX will not allow me to open a Key Express Checking Account and they will not give me a specific reason why. They say it is due to a report on me provided to them by XXXX. I obtained a copy of my report from XXXX. There is nothing negative or adverse on the report. Key Bank will not tell me what is on the report that they find to be objectionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
Im not sure about the date but speedy cash making my credit bad they deleted it for my XXXX  not the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: IL

Complaint narrative:
I purchased my current home in 2014. My bank sold the servicing of my mortgage to Suntrust Bank. Up until approximately 6 months ago, we've had no issues with Suntrust. Then, approximately 6 months ago, Suntrust " informed '' us that our escrow amount would be going up based on their internal assessment. They are requesting an additional {$200.00} per month on top of my existing principle, tax and insurance payment. I've discussed this increase with my insurance company and our local assessor 's office and there have been no changes that warrant {$200.00} per month. In fact, in years past we've received refunds for overages in escrow account. I've called Suntrust of several occasions attempting to resolve this issue, but have been told that the increase was " calculated '' by their escrow team and that there was nothing anyone could do about 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 2019-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
I moved from XXXX to XXXX  State and changed my address with GM credit. My bills have been returned to the sender and one call was made to me to pay before the bill became past due. The problem continued to this day and I still have not received bills. GM credit reported me to the three credit agencies and told me I should have known the date. All payments were made by phone the day the call were received.. I've written them to have this taken off and they just send me verification of the loan without removing the late payments from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
The company, Kramer and Frank PC have made an attempt to garnish my wages but have a specific representative tied to my account who will not return my phone calls, leaving me in a position of having just a few days before they attempt again to garnish my wages. I had previously worked a payment agreement out with Kramer and Frank and then one day roughly two years ago they revoked my access to their online payment site and ceased contacting me until last month when on XX/XX/XXXX I received a letter from my financial institution stating the above about wage garnishment. I would like to simply return to my payment agreement and continue to pay down my debt but they are using these tactics to extract more money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC
State: AZ

Complaint narrative:
I have disputed this debt with the XXXX complaint # XXXX, but of course they take the side of XXXX XXXX. I did receive the service I paid for 4G LTE  they have a problem with internet connection on XXXX XXXX amongst horrible service and various other issues I had with them. 

I already disputed this charge with XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and now Maury Cobb Attonrey At Law LLC wants me to dispute. This is harassment. 

Why do I need to pay for service I didn't even get and I told XXXX XXXX? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, thousands of people complained finally XXXX XXXX  told me to turn off LTE  I called many many times to complain, but they say the have no re collection. That is not true! 

Yes, it did work sometimes, but I had to troubleshoot it all the time all around XXXX for it to even work since I had the XXXX XXXX XXXX I should not have to troubleshoot or just except the fact I get not LTE or Data connection when in XXXX, XXXX, XXXX, etc in the area. It's supposed to work 99 % percent of the time not hit or miss and make me work to fix the issue that I can't fix because it's beyond me it's a manufacture issue or technology issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I do not want my loan to be serviced by XXXX XXXX. I Have been a loyal Chase customer for 14 years. I have other account contingent on my home loan with Chase. Do Not switch my loan to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I opened an account for a promotional bonus of {$400.00} if I deposited {$15000.00}. I applied for the account XX/XX/XXXX, sent additional paperwork on XX/XX/XXXX and received an email on XX/XX/XXXX that my account had been activated and on XX/XX/XXXX I received my debit card and opened the account. Now that the account was finally opened, I deposited the required funds on XX/XX/XXXX. This should fall within the 30 day period as my account was not active until XX/XX/XXXX. I have emails to verify this information and had inquired prior to that whether I could deposit funds because I di n't want to miss the promotion, the entire reason I chose Citibank, and was not able to. I called in late XXXX XXXX to ensure that I was all set for the promotion and was told that I was good to go and would receive the money before the end of XXXX. Last month I contacted Citibank again to inquire about the funds and was told that they count the first day I applied as the start of 30 days despite the fact that I was not able to deposit funds then. I just talked to them again and they said the same thing. This is baffling and feels a whole lot like fraud.

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 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2019 I contacted American Consumer Credit Counseling ( ACCC ) to attempt to enter my Capital One card into a payment plan. On XX/XX/2019 I received a letter from ACCC that my account had been denied based upon the fact that it was currently on an internal plan with Capital One. My account was not on nor ever has it been on any repayment plan with Capital One. Upon contacting Capital One, I was told that the reason I was denied was due to the previous internal plan, however, when I stated that I had not been on a plan they could find no record of ever being on a repayment plan. I was informed that they would perform additional research and to call back in a few weeks. Roughly 3-4 weeks later, I contacted Capital One again and transferred between 2 representatives and 1 manager. The manager informed me she had no updates and still could not sort out my account. She advised I would need to send my request via correspondence to general inquiries. I submitted the requested information in XXXX outlining all information that was advised to me via phone conversations. I then received a letter on XX/XX/2019 that stated " We are unable to fulfill your request through written correspondence. '' I then contacted the number listed in the letter so that I could receive assistance with my request. The representative again stated they could find no record of my account being on any repayment plan at any point and that I simply needed to have that removed. They were however unable to provide any assistance and stated that I needed to again submit the information through general correspondence essentially repeating the process that I had just completed that concluded with no action being taken and told that no one was able to help me in correcting the mistake that the company had made on my account. When I was transferred to a manager, he was extremely disrespectful and would not allow me to explain the issue. I was told that Capital One had made a decision and he could no further support or assistance. I simply had to live with the error that they had made. I was denied any remedy to inaccurate information on my account and this false information is purposely being used by Capital One to deny my entrance into a repayment plan and successfully remedying my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
MTH Mortgage Company is owned by XXXX XXXX. I was purchasing a new home, and was told that I qualify without selling my current home as I could take money from our XXXX. Turns out that the XXXX is a non-qualified plan that does not allow withdrawals or loans until you are separated from the company. The mortgage company approved us having 3 mortgages ( we have a rental in CA ). Not sure how, unless they do not want us to eat or pay any utilities. They have retained EM plus options and upgrades monies in the amount of {$22000.00}. We understand that they need to keep the earnest money deposit, however even a partial refund of the options and upgrades would go a long way. The loan company was well aware that we could not get into this house unless we sold our current home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been a victim of identity theft due to someone stealing my identity. In addition, they hacked into my network and stole my personal information, which someone opened up fraudulent account and inserted fraudulent inquiries on my Equifax credit report. I disputed the fraudulent information with them already, which I provided a police report and affidavit to proactively remove those items. Therefore, Equifax did not remove those fraudulent items, which they are violating The Fair Credit Reporting Act, 15 U.S.C. 1681, which is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Therefore, they violated this act. Also, I have disputed the same items with XXXX and XXXX and they complied and removed those fraudulent items from my credit reports. So, what is the issue with Equifax? I am asking you all to get onto Equifax to make them comply. If they do not comply, I will take this matter further and report them to the state of Georgia 's Attorney General ; and furthermore, take Equifax to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I closed this account with XXXX and they got so mad that they keep charging for a late fee on XXXX of this year and I called to make sure I paid the hole thing but they told me {$18.00} dollars and few cents but next month they claimed again there was another late fee after I paid the {$22.00} XXXX they claimed was for the late fee then next month they send me another called late fee plus XXXX dollars they claimed I was short of so I paid XXXX XXXX plus XXXX dollars makes {$24.00} XXXX then on XX/XX/2019 I paid XXXX plus XXXX dollars interest now this month they send me another late fee XXXX I called my bank and they advise me to get un touch with you because this bank is fraudulent taking advantages of me I called Comenity bank bit firs they claimed that they never got the payment on time even that I paid in them meddle of the mouth manager XXXX and she did not care she told me that this conversation was going to be recored witch I well come because there is not any purchase since XXXX and the keep pushing a balance but as last time we tried to fix this issue they don't care

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The accounts attached in the file are medical related accounts that do not belong to me. These accounts are extremely damaging to my credit score and I have been denied credit due to MEDICAL accounts I do not owe and do not belong to me. This violates the FCRA, HIPAA, and even if the accounts belonged to me, this would be a Breech of Security due to the fact that medical information were released to third party companies. THat would be a Breach of Security! Please remove these accounts as the Original Creditors nor collection agencies are able to provide documentation or a contract showing that this debt belongs to me. There are no wet signatures or contracts under my name that say I owe this debt. This could belong to another XXXX XXXX. Please REMOVE THIS IMMEDIATELY as it is a {$1000.00} fine for each violation I DO NOT CONSENT TO XXXX or any other automated verification system! If verified, please provide names, contact information, and actual documents used to verify!

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 2019-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Funded refinance on XX/XX/XXXX with {$5500.00} escrow holdback. Have not been provided funds after nearly 2 months after completion of project and repeated attempts to obtain. 

Originally requested final inspection to be ordered on XX/XX/XXXX. Did not receive confirmation final inspection was received until XX/XX/XXXX and check could be expected in maximum of 15 business days. Followed up on XX/XX/XXXX. Was told their accounting department never received funds from title company and we should have them by that following Wednesday. Followed up again on XX/XX/XXXX. Again told title company did not send funds to Accounting department. No resolution provided.

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 2019-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK
State: IA

Complaint narrative:
Refund check # XXXX was issued to me on XXXX in the amount of {$720.00} for overpayment of personal loan. I discovered this uncashed check in a folder in early XXXX XXXX on XXXX, I contact Customer Service and requested a re-issue of the check with XXXX XXXX XXXX stated she would look into it and return my call within 10 calendar days. On XXXX, I again contacted Customer Service and talked to XXXX. XXXX stated they had been unable to located the check information and would send a check in the amount of {$100.00} for the inconvenience of not locating any information for check # XXXX. I received this check and cashed it. On XXXX, I called Customer Service and explained the entire story again to XXXX who transferred me to XXXX. I explained my situation again and request re-issuance since the original check is in my possion. I offered to send her a copy of the check in hopes it would assist them in identifing the original amount due in their accounting system. XXXX stated there was nothing they could do to resolve the issue. I requested to speak to the accounting department which she refused. I also requested to speak to a supervisor to which she responded there were no supervisors on duty but she would pass on my concerns. I have not received any contact as of the writing of this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a notification on XX/XX/19 that I had a hard inquiry on my Experian credit report from XXXX XXXX. This was not me and I did not authorize this, I would like this removed please : )

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 2019-11-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief