vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-29 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: VA

Complaint narrative:
Transunion refuses to delete an account that is not mine, I have sent a validation letter to the company and got no response. I have disputed the account on numerous occasions asking for a deletion. I recently had to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. XXXX  has also deleted a bankruptcy off of my report They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if transunion fails to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. Transunion countines to lie to me and tell me the bankruptcy court is providing and verifying this public record information to them but they don't. attached is a email from the bankruptcy court and email from pacer and documentation from XXXX   showing bankruptcy deletion. Please read carefully before lying again! I have also submitted a idtheft report FTC REPORT NUMBER 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 2018-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have been penalized by PayPal after an error occurred during online transaction between PayPal and XXXX that prevented the transaction from completing. XXXX & XXXX was force to cancel the order and refund me the {$520.00} dollars. However, once the cancellation executed, Paypal released and processed the transaction taking the {$520.00} from my checking account even though XXXX & XXXX had cancelled the order. Paypal has applied a " pending '' credit to my account but has been holding my money for over 3 days. The transaction took place on XX/XX/XXXX, the cancellation was XX/XX/XXXX, the Paypal debt took place XX/XX/XXXX, my bank processed the withdrawal on XX/XX/XXXX. I was told that the funds were being held because my bank had not processed the transaction. I was able to prove that the bank had cleared the transaction. However the Paypal contact said that even though they had gotten the money from me, they could not release my credit because the system was automated and could not be changed to free up the money sooner. I am still our {$520.00} and I have no products from XXXX & XXXX. All I got was a call explaining that it was too bad, but nothing could be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank ( SYNC ) lowered my credit limit on two accounts. One account was lowered from {$2500.00} to {$1200.00}. Another account credit limit was lowered from {$1000.00} to {$500.00}. I had paid off both cards, and there is no reason for them to lower my limit.

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 2018-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi there, I never had an online access to my credit report, and of course I was not able to see any changes as well as new fraudulent accounts on my credit report. After I signed up for XXXX I pulled my report and found out there were continuously fraudulent activities on my report. I went to Police Department and also filed a complaint with Federal Trade Commission. The TransUnion told me that they can not accept the police and ftc report since it does not feet their criteria 's. I need your help to putt legal pressure on TransUnion to make them to obey the low as we all do. I really relay on your help, there is nothing else I can do

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 2018-11-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax refuses to delete an account that is not mine, I have sent a validation letter to the company and got no response. I have disputed the account on numerous occasions asking for a deletion. I recently had to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. XXXX  has also deleted a bankruptcy off of my report They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if XXXX  fails to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. Equifax countines to lie to me and tell me the bankruptcy court is providing and verifying this public record information to them but they don't. attached is a email from the bankruptcy court and email from pacer and documentation from XXXX   showing bankruptcy deletion. Please read carefully before lying again! I also filed a Id theft report numbered XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I found an old check for {$10.00}, I deposited the check via mobile device. Apparently I had entered the check for deposit, months earlier.I did go through my account, researched the {$10.00}. I never saw the {$10.00} in any historical statements. TD bank reversed the deposit, they never explained why it was reversed. I assume I possibly had done a mobile deposit for the {$10.00} at a date, not on my statement. TD bank charged me {$35.00} for depositing the check.THIS IS OUTRAGEOUS! I need my {$35.00} back in my account ASAP. Feel free to publish the complaint, without my name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
OWR NOTICE OF ERROR 524 Injunction : Bank of America per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. BAC kept sending me statements with the original loan amount and payment. I was making the required reaffirmed payment after the agreement was signed only to have BAC escrow the payment and not apply them. In XXXX Bank of America transferred the loan to XXXX. XXXX began the servicing rights with the incorrect balance incorrect monthly payment and a forced placed insurance policy added to the loan by Bank of America which was purchased during the federal stay was still on the property and the plicy debt being asked for by Bank of America and now XXXX was not petitioned to be in the bankruptcy plan making that debt discharged.. XXXX was notified by Mr XXXX in XXXX when XXXX sent out the transfer notices with the original note information that the loan data was incorrect. XXXX did not comply with the agreement until XXXX when finally XXXX corrected the loan in XX/XX/XXXX. XXXX at that time was still listing a insurance debt owed from Bank of America and now because of Bank of Americas actions to create an escrow account for the insurance and taxes XXXX began placing coverage on the property in the amount of {$150000.00} even though the loan balance was only {$35000.00}. XXXX refused to adjust any monthly statements to reflect the correct reaffirmed debt. This was a a 524 Injunction violation of the plan. XXXX filed a foreclosure motion in XXXX the foreclosure where the case was not heard only stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now XXXX has acknowledged that I had made payments and that BAC had not been compliant with my Bankruptcy plan. XXXX has now acknowledged the reaffirmation agreement for the loan cost on payoff statements but is still demanding payment for the forced place insurance bill that was created while the property was under a federal stay. This is attempt to collect discharged debt and a 524 Injunction violation of the Bankruptcy plan.

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 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking account with Citi bank to get bonus cash. Requirement were to fund the account within 30 days with {$15000.00}, hold the funds there for 60 days. After that requirement met, I was supposed to keep at least {$10000.00} in the account for 90 more days to obtain {$400.00} bonus. All requirements described above were met and confirmed by multiple Citi supervisors. 

The account was funded on XX/XX/18 and the refund shouldve been in the account no later than XX/XX/18, which never happened. 

I opened a complaint on XX/XX/18 with Citi bank, they acknowledge the mistake, however stated it will take 20 more days to resolve the issue. Until the issue resolved, I will have to keep the funds in the account, otherwise they will charge a fee, which makes over 30 more from the due date. 

I can provide the complaint case if needed

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 2018-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I paid off the past due balance to the City of XXXX and the account is still showing up as a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: GA

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
1-The mortgage with XXXX XXXX in XXXX, California XXXX since XX/XX/XXXX has a 7.125 % interest. I tried Loan Mod maybe 2 or 3 times since XXXX. In XXXX, I requested via HAMP, but was denied first by ASC ( a wells fargo Servicer company ), and then by XXXX   XXXX/XXXX ( others sued XXXX in a class action - I was not involved or had knowledge of until after ). Wells Fargo informed me in early XXXX that they had taken over the mortgage, and began sending statements ( but not as ASC ). 

2-Wells Fargo/WF did not identify XXXX or reveal them in XXXX - they went by a CODE ( as investor ). I paid mortgage till XXXX, XXXX, and couldn't pay due to earlier loss of job, but wife ( not on title ) and I managed to pay till XXXX, XXXX. Since then : First, I requested a WF loan mod and stated loss of job as the reason. WF denied. 
Second, WF suggested XXXX-XXXX XXXX XXXX XXXX, who admitted me into their Prinicipal Reduction Program of upto {$100000.00}, then processed and declined by XXXX, XXXX. 
Third, WF re-entry accepted my loan mod application, and XXXX XXXX denied it in XXXX. Despite saying I could appeal in XXXX, They filed for foreclosure and are now demanding a reinstatement amount of {$35000.00} until XXXX XXXX, XXXX. ( The due amount jumping from about {$26000.00} to {$35000.00} due to attorney 's fees ). 

3-To reiterate, XXXX XXXX, XXXX WF home preservation said I could appeal. Instead they filed for foreclosure, and I started receiving notices ( maybe over 12 from XXXX company and XXXX XXXX on behalf of XXXX but with WF logo ) in my wife 's name and my name separately, plus certified signature mail notices ). WF Loan Mod Re-entry then suggested documents they needed, but kept denying the ones they themselves required and asked for other types. When they denied the 3rd time I said I would complain to a federal and county agency. Then to mollify me WF pushed my 'unhappiness ' to the 'executive ' level and a Ms. XXXX XXXX accepted the document other 's had denied, and requested more docs - I sent all docs on XX/XX/XXXX and they were all accepted on XX/XX/XXXX according to Ms. XXXX 

4-On XX/XX/XXXX Ms. XXXX XXXX, another 'executive ' from the recovery department researching my complaint said the reinstatement amount of {$35000.00} is due by XX/XX/XXXX, unless the WF underwriter ( unknown name ) decides on Loan Mod options. Wife as contributor and I could pay $ 3600+ on a monthly basis since our income situation had improved, but could not afford the {$26000.00} demanded in early XXXX, XXXX. However, WF in XXXX, XXXX said due to the foreclosure status as of XX/XX/XXXX or XXXX, XXXX ( different people gave me both dates ) I could no longer make a monthly payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
i sent a letter to the XXXX XXXX XXXX address that they had on my credit report and it was not correct information, so it was return to me. So i sent a letter to Equifax asking them to delete the negative item for the reason of false information on the part of XXXX XXXX XXXX and has not heard from them. I will upload the letter that i sent Equifax to address the situation on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
This company is reporting inaccurate information on my credit report. 
I have contacted them by mail twice with no response after 30 days Source Receivables Management XXXX XXXX XXXX North Carolina XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Law Offices of Les Zieve
State: CA

Complaint narrative:
First off I would like to say thank you for taking the time to look over this. 
We started to fall behind on our mortgage is XX/XX/2017. During this time we faced a tragedy. My husbands father was kidnapped and XXXX XXXX going into XXXX. We had to fly to Texas which is where his mom and sisters live to help them through this difficult time. He was found one month later in the XXXX XXXX desert XXXX and XXXX. Being the oldest we had to help his mom and sisters get through this tough time, helping them get back on their feet and paying for the funeral expenses as well as other miscellaneous things. Coming back home was tough, we came back to bills piling up. Trying to provide for our daughters while continuing daily life and catching u with everything else, to say it was difficult is an understatement. We had been trying to come up with the funds once the NOD was submitted but we found ourselves in a much deeper hole than we anticipated. During the time we were first trying to reinstate I was diagnosed with reoccuing XXXX XXXX. Our lives went from what we thought was tough to what we are faced with now. I am still currently undergoing treatment but despite that our goal was to reinstate our home, in case anything happened to me my daughters would at least have a roof over their heads. We set up a XXXX page where we were able to raise {$43000.00} and I was able to get a {$6000.00} loan from a relative. A few days before the sale I requested a reinstatement quote so that we could see how far off we were. They stated that they could not provide one because it was tooo close to the sale date. I continued to try to contact XXXX XXXX XXXX XXXX XXXX but they refused to speak to me. The day before the sale I contacted XXXX XXXX XXXX  in hopes to postpone the sale as the funds from the XXXX page where not readily available in my bank account but would be within 14 Days. XXXX XXXX XXXX refused to postpone the sale. I once again asked for a reinstatement quote which they finally provided on XXXX XXXX at XXXX XXXX the day before the sale. The day of the sale we were persistant in trying to postpone the sale, but even after showing them that the funds would be available soon they went forward with the sale. Today it has come to my attention that the 3rd party buyer was a company called XXXX XXXX XXXX, well I looked them up and it just so happens that their DBA is XXXX XXXX XXXX.our lender. That to me seems lik, e a conflict of interest and something that needs to be looked into. They sold it for exactly what was owed and now they can evict us and make a profit on it. 

Once again I would like to thank you for taking the time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Roycroft Management
State: TX

Complaint narrative:
Approx one year ago, I had some fraudulent drafts on my bank account, which the bank reversed and I closed the account. I started receiving numerous aggressive phone calls from XXXX XXXX XXXX at home and at work, I informed them when they called me at work that I could not take personal calls at work, yet they called back today and spoke to one of my coworkers telling him that they would come to my work tomorrow and serve me papers and even gave him a case number, I have the note my coworker gave me. I called the company and told them to never call me at work or at home again, that this was a fraudulent case. XXXX XXXX kept telling me to just talk to him and I said no, this is the last communication we will have, I told him he was harassing me and threatening me, talking to my coworkers, giving them case numbers etc, he said '' we have to do what we can do to collect the debt '', then he hung up on me.Their phone number is XXXX. I have never received any written notification from them to date.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a CITI VISA which was issued through my XXXX membership. I had always had paper statements sent to me monthly and always paid my bill in full on time. My wife and I have credit scores in the 800 's. 

CITI unilaterally changed my billing statements to electronic statements and cancelled my paper statements. My wife and I do not use any electronic statements or payment options with any account that we have. 

As a result of this change initiated by CITI we did not receive our statements for 2 months and did not make any payments during that time period. If we did receive anything electronically from XXXX we would have assumed it was spam or it went into our spam filter. 

We have demanded that CITI put our account back to paper statements and send us the past 2 months paper statements. And, we have requested that they cancel any late charges and finance charges since we always have paid our bill in full in a timely manner. We have not yet received the paper statements but CITI is asking us to pay the past due balances without any statements.

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