vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX ACCOUNT XXXX after reviewing your reinvestigation I noticed some violations On my credit report that you claimed that you had verified there is a lot of incomplete information that is reporting look at the payment history on this account starting from XX/XX/XXXX you are reporting ok all the way up until you get to XX/XX/XXXX and XX/XX/XXXX it starts going to unknown states YOU CAN NOT DO THIS PER THE FCRA ALL INFORMATION MUST AND SHALL BE REPORT 100 % CORRECT You can not report information like this per the FCRA I HAVE ASKED YOU FOR MONTHS TO DELETE THIS ACCOUNT BUT YOU KEEP COMING BACK SAYING YOU VERIFIED THIS ACCOUNT IN WHICH YOU DIDN'T I'm asking you to delete this account permanently or if you plan of doing another dispute I'm going to need from you is a payment history starting from XX/XX/XXXX - XX/XX/XXXX from the creditor But this should be deleted

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 2019-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello CFPB, I " XXXX XXXX '' had Gap Store Credit card issued by Synchrony Bank, and have used it for few months, around last quarter of 2018. Card Number is XXXX XXXX XXXX XXXX. I have provided a my latest address to card issuer but have never received any statement, or any form of communication at my address. I am holding XXXX card too but had never faced any communication problem with XXXX. However Synchrony Bank ( Gap Card ) seem to be not sending appropriate communication and charged me multiple late fees and put me into delinquency. I didn't even a communication on this as well. 

Recently When I went to XXXX to lease a car, I came to know that my score is very low and I figured out that Synchrony Bank has spoiled my credit history by reporting me delinquent. Now I am holding a credit score of about XXXX ( down from 750+ ). I was not granted a lease, then my husband has to sign a lease for me. 

Please help in addressing this matter with synchrony bank, as I am carrying a bad score and bad credit history because of Synchrony Banks fault. I am hopeful this matter will be resolved in my favor and my Credit history will be fixed too. I want to mention that I made my payments to the bank after speaking over a call, without even receiving any communication from Bank thereafter. 


Regards XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX I deposited {$2900.00} in form of XXXX XXXX money orders, into my bank America account. I was advised at that time my account would credited the next business day. On XXXX the bank risk department decided to close my account without warning. The reason give me was I had two return check come back on my account from closed accounts. Now I have been a customer of bank of America since XX/XX/XXXX and in the last three months no prior return items. So I advised the release my cash to me then they advised me they would not until XXXX. I demanded my money then released {$340.00} but held the rest of my money {$2900.00} I just want my money and I will never do business with bank of America. Help Help!!!!

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 2019-05-05 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: STATE FARM BANK, FSB
State: TX

Complaint narrative:
company not handling the card correctly for one they are not reporting to XXXX two closed my card b/c i file a dispute b/c i was being charged for something that i did not authorize which put me over the limit ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have sent a certified letter with return receipt to XXXX XXXX on XXXX with an enclosed check for the full amount allegedly owed. Stating : " Enclosed is a check for the alleged balance for the above-mentioned account # XXXX for {$1900.00}. 
Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including but not limited to Experian, XXXX & XXXX.

3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 
Upon cashing this check you have 30-days to comply with the above. 
Notice to principal is notice to agent, notice to agent is notice to principal. '' On XXXX XXXX XXXX received the letter, and cashed the check on XXXX. The account has still not been removed my credit file even after XXXX XXXX received my letter/contract where it stated upon cashing the check, that they agree to the terms in the contract. I then sent another letter to them with a photocopy of the first letter/contract and the check. Stating : " Since you have cashed the check you have violated the terms of the contract by not settling the account as paid in full, and also by not removing any and all derogatory reporting from all credit bureaus including but not limited to Experian, XXXX & XXXX. By dishonoring the contract and violating the terms, you have agreed to compensate me in the amount deemed reasonable by the court, and the agreement is a XXXX XXXX, where you also agreed to Summary Judgment against you. '' On an updated report it still shows Failed to Pay.

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 2019-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have sent a certified letter with return receipt to XXXX XXXX on XXXX19 with an enclosed check for the full amount allegedly owed. Stating : " Enclosed is a check for the alleged balance for the above-mentioned account # XXXX for {$1900.00}. 
Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full. 
2 ). You agree to remove any and all derogatory reporting from all credit bureaus including but not limited to XXXX, XXXX & TransUnion. 
3 ). All collection attempts & activities shall cease. 
4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector. 
5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 
Upon cashing this check you have 30-days to comply with the above. 
Notice to principal is notice to agent, notice to agent is notice to principal. '' On XXXX19 XXXX XXXX received the letter, and cashed the check on XXXX19. The account has still not been removed my credit file even after XXXX XXXX received my letter/contract where it stated upon cashing the check, that they agree to the terms in the contract. I then sent another letter to them with a photocopy of the first letter/contract and the check. Stating : " Since you have cashed the check you have violated the terms of the contract by not settling the account as paid in full, and also by not removing any and all derogatory reporting from all credit bureaus including but not limited to XXXX, XXXX & TransUnion. By dishonoring the contract and violating the terms, you have agreed to compensate me in the amount deemed reasonable by the court, and the agreement is a Cognitive Contract, where you also agreed to Summary Judgment against you. '' On an updated report it still shows Failed to Pay.

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 2019-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: MA

Complaint narrative:
I contacted PHH Mortgage on XX/XX/19 requesting to remove the PMI from my loan. The loan to value ratio of my loan is now less than 78 % since the value of my home has increased in the last 7 years. On XX/XX/19, XXXX XXXX is refusrf to remove the PMI from my FHA loan because they will not accept a new valuation of the property. They have said, " New appraisals, which may show an increase in your original value, can not be considered. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
XXXX was previously removed from my reports, only to be reinserted in 2018. Previous complaint on file with cfpb, yet neither company responded to complaint.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In the month of XX/XX/2019 I experience approximately {$15000.00} being transferred from one of my accounts in three increments of just under {$5000.00} each, to what by all appearances was a legitimate company. ( XXXX XXXX ) I've come to understand having had several conversations with Citizens Bank, that any entity posing as a legitimate company who has access to your account number and bank routing number ( which appears on every check you write! ) can pull off this scam. 

The perpetrator begins by sending small deposits to the account followed by major withdrawals, typically starting the next day. 

The bank has refunded the monetary losses but certainly not paid for my time or aggravation. ( New checks, account overdrafts, payroll withdrawal reestablishment, etc. ) In my discussions with the bank, I have learned that they have security tools to prevent this type of fraud. The outrageous absurdity is that they want to charge me for these tools! 

How is it that XXXX can tell me when anybody is attempting to access my account and the bank can transfer funds without a word? 

I have been led to believe that this is common practice for banks in general. If so, this needs to be addressed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Innovative Credit Solutions
State: ME

Complaint narrative:
XXXX was previously removed from my reports, only to be reinserted in 2018. Previous complaint on file with cfpb, yet neither company responded to complaint.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX, I obtained a cash advance in the amount of {$5700.00} on my credit card with Bank of America due to repairs required on my house. On the next statement I received ( XX/XX/XXXX - XX/XX/XXXX ) it reflected interest of {$36.00} for the advance. The statement of XX/XX/XXXX - XX/XX/XXXX reflected interest of {$120.00} with a " balance subject to interest rate '' of {$6000.00}. The statement of XX/XX/XXXX - XX/XX/XXXX reflected interest of {$120.00} with a " balance subject to interest rate '' of XXXX. My most recent statement ( XX/XX/XXXX - XX/XX/XXXX ) reflects interest of {$160.00} with a " balance subject to interest rate '' of {$7200.00}. 

I asked a customer service representative today why the cash advance balance is higher than the original advance, and was informed when payments are received the minimum payment amount goes to the lowest APR balances first and anything above that to the higher APR balances. This information is on their monthly statement. I also asked if the monthly interest on the cash advance balance is calculated on the " higher '' balance of principal plus unpaid interest, and was told yes. I understand this as capitalized interest ( charging interest on interest ) and thought it was illegal.

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
Consumer complaint received 2019-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
In XX/XX/XXXX, I called my lender, Mr. Cooper, to find out when I could expect the overage in my Escrow. I calculated my return would be approximately {$300.00}. The employee I spoke with told me all loans would be verified at the end of the month and that is when disbursements would be mailed. When I received the analysis result : Shortage, it showed a shortage of {$.00}. This was interesting since my home insurance was {$830.00}. for the year through XXXX. However, on my last mortgage statement, it showed my mortgage insurance to be {$1200.00}. and an annual change of {$85.00}. for a total of {$1300.00}. Instead of the true figure of {$830.00}. It would seem that Mr. Cooper has been forging documents to meet the company 's needs, not the mortgagees '. This also happened in XXXX when my hazard insurance was {$1000.00}. which was paid. However, that year on my year end statement, it showed my hazard insurance to be {$1000.00} and an annual change of {$90.00}, totaling {$1200.00}. There total should have been $ XXXX.It seems Mr. Cooper has been forging documents for sometime to increase his wealth. Unfortunately, the employees are also guilty of these unethical and seriously unlawful practices. This is happening to all of Mr. Cooper 's mortgagees, not just me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I entered into a legal settlement on a credit card debt I had with Regions Bank and completely fulfilled the terms of the settlement paying 100 % of the agreed upon amount. Despite this indisputable fact Regions is showing a " current balance '' of {$5000.00} and this is negatively affecting my credit score. How can I have a " current balance '' on an account that is closed and on an account that has been paid in full based on the terms of a legal settlement. This is vindictive fraud by Regions Bank.

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
Consumer complaint received 2019-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CT

Complaint narrative:
COMPLAINT ID XXXX Thank you guys for comprehensive explanation, but you explain mathematically. 
The property tax is from XXXX to to XXXX next year.The city hall can not change while. 
You change the property tax on XXXX XXXXBut property tax did not went up on XXXX XXXX.Why did you increase the tax in the middle of the year.What hapened.? 
Second questuion.Can i pay for property tax and property insurance my self, without escrow account.Guys reminder you have transferred my mortgage three times no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a certified letter to XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. I received a reply from XXXX dated XX/XX/XXXX stating that their investigation was complete and stated the account was being reported correctly. 

I waited 37 days to verify XXXX violated the Fair Credit Reporting Act, Section 623 ( a )  ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Experian stating that XXXX did not notify Experian about my dispute along with a copy of my initial dispute letter to XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Experian has disregarded my proof of XXXX XXXX XXXX XXXX violation of the law and refuses to remove this trade-line.

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 2019-05-05 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 — Was not notified of investigation status or results
Company: Credit Karma, LLC
State: KY

Complaint narrative:
XX/XX/2018 I filed a dispute through credit karma. I can not file another dispute because the site thinks the dispute is not final. 
Tried through XXXX via mail and phone with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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: TX

Complaint narrative:
I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: MS

Complaint narrative:
On XX/XX/18 I sent a certified letter to BSI Financial to the attention of XXXX XXXX XXXX XXXXt. with supporting documentation questioning the amount of my payoff on my mortgage loan. I believe I was overcharged {XXXX} and sent supporting documentation supporting my assertion. The certified mail was received XX/XX/18 and I have never received a respond from BSI Financial. Additionally, BSI Financial is in violation of RESPA qualified written request rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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: TX

Complaint narrative:
I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

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 2019-05-05 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: TX

Complaint narrative:
I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

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
Consumer complaint received 2019-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XX/XX/2018 I set up a automatic deduction from my bank account of {$57.00} upon there terms. The company has been charging me late fees every month since in XXXX, XXXX, XXXX. I'm requesting these late fees be taken off. The interest I can understand but the late fees I disagree with. 

I also have been receiving debt collection calls from this company. Monthly payments have been being made and are automatically deducted from my account. 

I want the automatic payment method stopped. I tried to manage my payment method through the XXXX XXXX website and it would not let me. It said to call synchrony bank. I emailed XXXX XXXX and they said they do not handle the payment methods that I would have to contact synchrony directly.

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