vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My house was f
looded due Hurricane Harvey. I do have flood insurance and went through all the proper channels in filing a timely claim with XXXX. The house has been inspected by XXXX and they have sent a check for insurance proceeds co-endorsed to myself and the mortgage company who is PNC Mortgage.
I have filed all requisite paperwork with PNC Mortgage multiple times, every time I call them I get a new request for paperwork that has already been submitted multiple times. Regardless, PNC is refusing to release any funds until 100 % of the work is finished.
XXXX and PNC Mortgage in mid XXXXXXXXX told me to find a contractor and get an estimate and sign the contract with my chosen contractor and begin the rebuild of the house. I did just that and the contractor required some upfront costs as well as payment for work done such as sheetrock, paint, doors, trim all construction costs incurred to date.
PNC originally told me that insurance proceeds would be paid out in third inciments meaning 1/3 up front, 1/3 when the house is 50 % finished and then 1/3 when the house is 100 % finished. PNC is refusing to honor this and has yet to pay anything except a {$5000.00} advance from XXXX.
PNC is currently holding {$76000.00} of insurance proceeds. To date, I am {$69000.00} out of pocket because PNC told me that payment would follow the above installment plan. My house will not be to 100 % complete until XX/XX/XXXX backorder of workers who are to install tile and flooring. 2 months with {$0.00} will literally bankrupt me because some of the work that was completed is on credit cards.
PNC asked me to submit all invoices and checks that prove that I have paid out of pocket which I did, and continue to do as I incur costs.
I feel completely taken advantage of and steam rolled by PNC Mortgage. They have been so terrible to work with from not giving me clear instructions, to misleading payment timelines to outright lies and untruths of how they will deal with the insurance proceeds once they have received a check from insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX we paid XXXX XXXX and XXXX {$2500.00} with our Capital One credit card ... XXXX for a rental vacation home in XXXX XXXX, rental to be used XXXX XXXX XXXX XXXX XXXX upon arrival, the home was filthy, no clean linen, towels, dirty dishes stacked full in the sink. We called their support people, and they came with apologies next day and cleaned up. 
We complained and XXXX XXXX and XXXX assigned us compensation for {$200.00}, credited to our card on XXXX XXXX. 
XXXX XXXX we had no power nor water, a pump had broken and the owner kept the pump locked in a garage, nobody had keys. It took 2 days, with us driving around hunting for the people who could fix the problem. 
We sent complaints to XXXX XXXX and XXXX, via their online message system, w/o ever receiving a reply. 
We then filed a dispute w Capital One, they based on the reasonable dispute, credited our account {$250.00} on XXXX XXXX XXXX. They requested details, so we sent their filled out complaint form, on XXXX XXXX XXXX On XXXX XXXX XXXX Capital One billed our account for {$2500.00} again w/o any basis for the charge. Upon my complaint they discovered the error and offered to correct it They corrected it XXXX XXXX by crediting us w {$2200.00}, not {$2500.00}. 
I contacted them twice, and they are firm in that {$2200.00} is the correct reimbursement, their last letter ( enclosed ) stating that they meant to bill us for {$250.00}, not {$2500.00}, and that was the reason for the {$2200.00}. 
There was no reason for them to state that the " correct bill '' was for {$250.00}. There was no item we ever purchased for {$250.00}. 
If they are withdrawing the credit for {$250.00} which they made on XXXX XXXX, they can only do this if they have information, which they have not shared with us, from XXXX XXXX and XXXX, proving that our dispute had no merit. If had plenty of merit. 2 days in a rental beach home w/o power or water is fairly good cause for dispute/redress. 
The {$2500.00} bill of XXXX XXXX was an error, and it should be credited to our account in completeness. Very simple math, and very simple principle of honest trade policy. 

Let me state clearly : I do n't care about the {$250.00}, I just want XXXX XXXX  and XXXX to provide compensation for a bad service rendered under one of their contracts. 

Capital One claimed that our dispute ( XXXX XXXX XXXX ) was filed outside of the window for claims ( original bill was XXXX XXXX XXXX ) The service was not rendered until XXXX XXXX XXXX, and we have been complaining since then. On XXXX XXXX XXXX we had no way of knowing that the house facilities would be so broken down Capital One disputes address : XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX XXXX, Utah XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
THE COMPANY THAT XXXX XXXX XXXX XXXX IS USING AS A DEBT COLLECTOR. IS CALLING ME ... MAKING THREATS ABOUT A FEDERAL LAWSUIT. THEY ARE ALSO STATING THAT I HAVE THREE COUNTS OF FEDERAL CHARGES. THE NUMBER THAT HAS CALLED MY CELL PHONE COME ACROSS MY CALLER ID SAYS UNKNOWN CALLER. BUT THE NUMBER THAT THE INDIVIDUAL LEAVES IS XXXX. THAT I COULD LOSE MY JOB ETC. THE DID NOT GIVE ME THE AMOUNT OF THE DEBT BUT THE DATES STARTED IN XXXX XXXX, 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I received a notice on XX/XX/XXXX from Collection Bureau of America regarding a collection for {$140.00} with the creditor listed as " XXXX XXXX ''. 

I ended service with XXXX XXXX in XX/XX/XXXX and, to the best of my knowledge, my account was in good standing at the time I ended service. 

I contacted Collection Bureau of America via Telephone on XX/XX/XXXX and requested documentation to support the collection. The telephone representative told me they would send documentation within 20 days or they would remove the collection. I received no response. 

It came to my attention in XX/XX/XXXX that there was negative information regarding an outstanding collection on my credit report, so I contacted Collection Bureau of America in writing on XX/XX/XXXX requesting documentation to support this collection. I received a letter from Collection Bureau of America on XXXX including fraudulent documentation to support this debt. The fraudulent bill was dated XX/XX/XXXX, but it was sent to my current address ( we did n't even put an offer on this house until XX/XX/XXXX ). In addition, the amounts listed on the bill did not add up properly. The service period was listed as XX/XX/XXXX-XX/XX/XXXX ; however, the date of the charges was listed as 3/26/2015. The amount due was registered as over 120 days late ( even though the charges were dated AFTER the statement date ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ERC
State: TX

Complaint narrative:
I just recieved a alert from XXXX XXXX stated a new line of cresit opening today XXXX ... .I did NOT open a line of credit with anyone. the name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I have no phone number to get in touch with them please help. 

thx! 
XXXX 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 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I fell behind on my payments due to financial reasons and have not been able to catch up until recently. Ocwen never reached out to me to offer me help or assistance. I do recall reaching out to them and being told there was nothing I could do that they would be proceeding with the sale. After speaking with some friends and attorneys, I realize that this is not right nor fair. The Homeowner Bill of Rights state that the lender should be assisting me throughout this process and helping me find alternatives to foreclosure. I have never been assigned a point of contact and I have never been offered help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After applying for a XXXX XXXX credit card, all monthly payments have been made timely with the exception of one month 's payment. The most previous balance on my card increased by more than {$52.00} because of an interest fee, causing an issue with the payoff of the credit card. If the company continues to charge an exorbitant interest fees, I will never be able to pay off my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing opened a collections account on my credit reports on XX/XX/XXXX. They lied and said they sent something to my address when in fact I did not recieve any documentation from them. Under FCRA I am entitled to verification and validation documents bearing my signature before its placed on my credit. Convergent does not have my signature on this fraud trade. Convergent is the company name listed on all CRAs ; therefore, they need to remove this illegal trade and fraud trade from all CRAs. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Instead of updating the CRAs to remove this fraud trade, they instead added it on two other CRAs making my score crash! I will seek damages if this trade is not removed ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and recently after the equifax hacking someone opened a credit card with my information and charged several hundred dollars. Equifax sent my credit report but say I have to pay them to get my credit score. After all they have put me and millions of other consumers through we should not have to pay them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contact the bureaus repeatedly about the consumer and they have failed to contact me about the file reporting on my credit. I have no knowledge of this account XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXe and 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 2017-10-20 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: Premier Student Loan Center
State: OR

Complaint narrative:
The company was called Premier Student Loan Center. Website : XXXX XXXX XXXX  Account ManageXXXX XXXX XXXX XXXX XXXX XXXX was told that if I paid {$230.00} for 5 months towards my student loans then my payments would be lowered to {$10.00} a month for 7 years and that my half of my loan would be forgiven. However, I received an email that said my actual loan payment would be {$0.00}. I decided to look into it and it was at that point the account manager told me that it was a service fee for the company. Then my wife looked up the company and saw on some student loan forms that this company scammed people into giving them money for a service that I could have done myself. We called up the account manager to cancel the service and she told us that the {$230.00} I had paid in XXXX XXXX and XXXX XXXX could not be reimbursed. It was then I was told it was a service fee and not paying towards my loan. When my wife asked her if this was a scam she ( account manager ) said " Yeah ''. We have cancelled this service on the phone and through an email and asked for an invoice for the two {$230.00} " service fee '' but have yet to receive anything. We are cancelling the credit card that was given to this company. DO NOT USE Premier Student Loan Center. They are misleading and scamming money out of people!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
I contacted this company on XX/XX/XXXX in order to requests a payoff statement and a finance worksheet in order to reapply for a reverse mortgage. I did my original reverse mortgage in XXXX and a second in XXXX. The value of my home has increased significantly and I decided to do a third reverse mortgage, more as a precautionary move than necessity in case the market has a turn down as it did in XXXX. During the processing of this loan it was discovered that the deeds for the XXXX reverse mortgage were accidently recorded twice with XXXX XXXX XXXX 's XXXX. The deed # 's are as follows : XXXX, XXXX, XXXX, XXXX. 
The last XXXX deeds are identical to the first XXXX with the exception of the recording # 's. It makes it appear as if I have XXXX mortgages when I in fact have only XXXX. Until this is taken care of I can not sign off on my new loan. Everything on the loan is ready to go, and has been now for five weeks, with the exception of this issue. The last XXXX docs need to be reconveyed. The rest of the information is outlined in the attached letter sent to the Customer Service XXXX on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: GA

Complaint narrative:
I have contacted these companies and the bureaus on several attempts an got no results. These accounts are reporting inaccurate on my credit. The accounts accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX department of education, XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Advance Financial offered me a XXXX Loan they explained you never have to pay more than you need. Then they started charging me such an excessive interest that it was more than my house payment! I explained to them that I could n't afford to pay that and offered to pay XXXX per month and I was but they were still charging like over 70 % interest which just made pay back amount keep growing. I stopped paying the loan and they turned me into an attorney XXXX XXXX XXXX XXXX XXXX and now they are saying I owe {$5800.00}! Is there anything that can be done to get this to a reasonable repayment? This should be against the law this type of Predatory Loan Practices. Please help me. I received this letter dated XXXX XXXX, XXXX client file # XXXX Harpeth Financial Services , LLC dba Advance Financial is the name of the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: WA

Complaint narrative:
There were two ( 2 ) unauthorized hard credit inquiries made by XXXX XXXXXXXX XXXX ( GA ), which were revealed on a credit report I pulled directly from Equifax 's website on XXXX XXXX, XXXX. 

I then started working directly with me creditor ( XXXX GA ). After a long and involved investigation, the creditor agreed with me, and formally approved the removal of their XXXX XXXX, XXXX and XXXX XXXX, XXXX hard credit inquiries. XXXX GA then advised me that they sent two separate requests to all 3 credit bureaus in the U.S. ( Equifax, XXXX and XXXX ) to remove these two hard inquries. 

The request for the removal of the XXXX XXXX, XXXX hard credit inquiry was sent from my creditor, XXXX GA, to the credit bureaus ( including to Equifax U.S. ) in XXXX. 

The request for the removal of the XXXX XXXX, XXXX hard credit inquiry was sent from my creditor, XXXX GA, to the credit bureaus ( including Equifax U.S. ) on XXXX XXXX, XXXX. In addition to the creditor directly requesting the removal of their hard inquires, I also disputed them directly with Equifax U.S. for good measure. 

Despite the creditor requesting the removal of the two hard inquires directly, and me filing disputes directly with Equifax via telephone, online and fax, requesting removal of these two hard inquiries, in XXXX, XXXX, XXXX, XXXX XXXX ( and again today ), as well as several telephone calls to Equifax in between my formal dispute filings, the two hard inquires still remain on my Equifax U.S. credit bureau report ( as confirmed in another telephone conversation I made directly to their offices today ). 

I also sent Equifax a formal letter requesting the removal of these unauthorized inquiries, enclosing all requested documentation, including the letter from the creditor, and gave them direct contact information for the creditor, for any questions. 

I have provided everything possible to Equifax to facilitate the process and confirm the information I have given them. The creditor has requested the removal of the credit inquiries. My creditor advised me as of today, they in fact sent the XXXX XXXX and XXXX XXXX requests through an online system customarily used by the banks and credit bureaus to share this type of information and to send these types of requests. 

Equifaxs failure to properly investigate and remove these two unauthorized hard inquires has greatly compromised my credit score, thus, making it very difficult to obtain reasonable interest rates for credit products, affordable housing, and the ability to get a job that conducts background checks that also incorporate credit reports/scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I was impacted by the Equifax hack, and was told I was eligible for identity theft protection through them. I registered with TrustedID as requested, and received an email saying I should set up my account. 

When I tried to set up my account, I was told either my birthday, or social security number was incorrect. Obviously, I know these things pretty well, and called the company. 

AFter 3 called to TrustedID no one is able to help me. I 've repeatedly sent " verification documents '' to them including a photo of my driver 's licence, XXXX bill, and utility bill, attempting to figure out where the data mismatch is. 

No one ever calls me back, the person on the end of the phone pretends they do n't know what a case number is, and I 'm unable to talk to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX and chase still turns me down what do they need a perfect score cra violation for reason and hippa XXXX has XXXX up my report totally this need to be corrected right away

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: DISCOVER BANK
State: FL

Complaint narrative:
I was neglectful in in checking my account. However I had requested from Discover card my statement for the past 5 years, they had obliged and I found 3 items ( approx. {$1400.00} ) I had them check into it and they said that the charges were not mine and was not authorized by me. They I had received a letter from them ( enclosed ) that the amount would be credited to my account. after a week or two I called them and they said it was to far back and told me that they have done numerous things for me that was so irrelevant. Now I told that there records do not go back that far. Need your help in getting this resolved my account after changing it is XXXX XXXX XXXX XXXX, my email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation