vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: ME

Complaint narrative:
My husband and I attemped to close on a FHA Streamline Refinance with Village Capital and Investing in XX/XX/2019. They sent a notary to our house on XXXX with the closing documents and had us a make out a bank check for {$870.00} to their title company, XXXX XXXX. Several weeks later, on the afternoon before XXXX, the company contact my husband to say that the " paperwork was all wrong '' and that they needed to send out a notary " that night '' to have correct documents signed. My husband was away from home for work, and I was already out of state visiting relatives for the holiday. Village Capital never submitted payment to our original lender, which put us at risk for falling behind in payments. Due to their errors and poor customer service throughout our interactions with them, we do not want to proceed with this transaction and we want a full refund of the {$870.00} check we submitted to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: TX

Complaint narrative:
My XXXX yr old Mother signed for a Reverse Loan on a Home that was paid off. XX/XX/XXXX She made payments on this Reverse Mortgage. after filing Bankruptcy XX/XX/XXXX an she was told by XXXX XXXX XXXX She was to continue her payments. Our trustee XXXX XXXX XXXX discovered we wasnt to pay. Reverse Mortgage did nothing. My Mother passed XX/XX/XXXX. Reverse Mortgage filed a Automatic Lift an Stay. XX/XX/XXXX. We hadn't filed her Will. Judge Rule we simply Talk. They would not receive our Calls. 
From XX/XX/XXXX to XX/XX/XXXX.Mother had paid XXXX we told the judge were willing to sell the house but we want the XXXX applied to the balance I wrote emailed an faxed several letters XX/XX/XXXX an  XX/XX/XXXX to RMS asking was they going to apply the money? their Attorney 's do not rec calls or talk to any one I was told. I rec a letter in XX/XX/XXXX an XX/XX/XXXX saying the was doing an Inquiry in to the situation. I never heard anything. I then rec a letter XX/XX/XXXX stating we would be foreclosed on XX/XX/XXXX. we then heard from XXXX XXXX 3 days later thru our Probate Attorney. I was told they couldn't foreclose because we was in Probate. an heirs are allowed 6 mos. 
1 ) Reverse Mortage Solutions received payments they haven't acknowledged an attempted to Illegal Foreclose.

2 ) RMS stated in Court before the Judge XX/XX/XXXX. I could refinance the Loan. Not true. you can not refinance a Reverse Mortgage 3 ) RMS also stated they applied the XXXX ( while in Bankruptcy XX/XX/XXXX ) the money was applied to fees an interest. Not true. 
4 ) RMS didn't honor my Mother ( XXXX XXXX XXXX ) wasn't to make payments heirs suppose to make payments. 

I rec monthly statements from RMS an alledging XXXX dollar loan. The balance is now XXXX. The balance clearly hasn't decreased with payments from XXXX. 
Im attempting to sell her home of 50 yrs. Im aware I must seek an Attorney. RMS is unethical, illegal. I personally have witness 5 people in our neighborhood that Reverse Mortage illegally took their homes. 
I would like for you all to inform them that what they've done Illegal. 
I would like a pay off statement with all payments attached Including RMS adding Insurance after they was informed WE had insurance I have Bank Statements etc. 
Please stop RMS from treating the Elderly an their families this way. 
Please contact me for forms receipts Bank statement whatever you need to confirm my accusations. 
XXXX XXXX excutator of Estate then Daughter. 
Email : XXXX Cell : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: PNC Bank N.A.
State: IL

Complaint narrative:
Hello, Hope all is well. I was charged double by a movie theatre - XXXX XXXX - XX/XX/XXXX - for tickets I bought online. There is no reason I would pay 2 times for the same movie, on the same time, at the same night, for the same seat. I opened up a claim in about a week or so after seeing the charge. 

I opened a claim with my credit card company to get a refund as I did not authorize payment but it was subsequently closed for no reason. 


The claim id or reference number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
For the second year in a row my mortgage holder, KeyBank, has failed to make my home owner 's insurance payment via the escrow withholdings in a timely manner. My home owner 's policy runs from XX/XX/XXXX to XX/XX/XXXX with the payment due annually on XX/XX/XXXX. Last year for period covering XXXX, Key Bank did not make the payment until XX/XX/XXXX yet took the funds from the escrow account on the due date of XX/XX/XXXX. This year for the period covering XX/XX/XXXX-XX/XX/XXXX Key Bank has yet to make the payment as of XX/XX/XXXX even though they took the funds from the escrow account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi bank has made two grave financial errors on my account the first being them providing too much credit for a dispute and the second allowing the account to be overdrawn causes 4 overdrafts and related fees

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 2019-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: NV

Complaint narrative:
This collection appeared on my credit report from a company I have never heard of. I have contacted them and asked for proof of the debt and have not received any information, only a demand for payment or they will leave it on my credit. It is severaly impacting my credit score and I feel as if I am being extorted for money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
XX/XX/19 fraudulent charge from copy-cat website out of XXXX for {$88.00} XXXX ( purchase info input at XXXX XXXX, now known to be a fraudulent website ). Purchase was supposed to be from XXXX for {$82.00}, a US based company not XXXX. 100 % fraudulent charge, no legitimate purchase confirmation or shipping information as of XX/XX/19. XX/XX/19 talked to a security/fraud supervisor and general customer service supervisor trying to dispute. They wont pursue fraud dispute until I wait 2-3 weeks to see if I get the fake merchandise. A simple web search revealed it was a fraudulent website but Chase wouldnt do anything about it. They would not elevate my concern above a first level supervisor. Chase did not follow through with their 100 % no liability for fraudulent charges claim. They are committing fraud and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: KEYCORP
State: PA

Complaint narrative:
Ive been making payments on time. Suddenly a request for payment increase happened with no notification.

Contacted the bank atty directly- received back dated notification. Credit score dropped almost 100 points.

Doesnt seem fair to consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 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: Performant Financial Corporation
State: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by PERFORMANT in files maintained under my Social Security number ending in XXXX. D.O.B. XX/XX/XXXX I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2019-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I am requesting validation of this debt. Including but not limited to the original agreement baring my signature, or any proof proving I owe this debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LoanCare, LLC
State: CT

Complaint narrative:
There are 2 mortgage accounts that have appeared on my credit report that were included in bankruptcy and should never have appeared. This has caused significant problems with my credit scoring as the other accounts included in the bankruptcy in XX/XX/2013 are about to drop from my credit file. 

XXXX XXXX XXXX , XXXX has 2 accounts listed that need to 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 2019-12-01 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: ERC
State: DE

Complaint narrative:
In 2013 I purchased a phone from XXXX. The information given to me by the salesperson in the corporate owned store was incorrect and fraudulent. Approximately one week later I returned the phone, unused, to the store. I explained to the employee and subsequently explained to the company what happened in writing. Since that time I moved and lost track of these writings, although I am still going through 6 year old papers trying to locate this information. XXXX reported the amount of approximately {$390.00} as a delinquency to all credit reporting companies. I wrote to all 3 companies and explained that this matter was in dispute. Three years later the statute of limitations in my home state of Delaware expired. Nevertheless, the credit reporting companies allowed Enhanced Recovery Company to continue to pursue this matter. I recently wrote to all three companies by certified mail, return receipt requested, and asked them to investigate this matter and remove it from my credit report. XXXX said they could not find any account in my name. XXXX informed me that the matter was being reported by ERC. ERC wrote to me recently stating they could not investigate the matter because they had no facts. When they first acquired this account the credit reporting agencies should have informed them that this matter was in dispute from the beginning. 
ERC requested a slew of information that would take considerable time and expertise which I, as a senior, at this time am not able to collect. These companies have continued to pursue a debt that is not legitimate and that should have disappeared three years ago from my credit report. These companies are out of control and wield undue power to destroy a person 's peace of mind. The three credit reporting companies should have shared the written dispute over this account with ERC and are primarily responsible. They should be required to maintain all correspondence with creditors such as myself and produce it rather than relying on an individual to resurrect it after many years. Is there any mechanism for holding them responsible for the time, energy, and aggravation caused by their failure to honor a consumer 's statement that a debt is illigitimate? Can they be held responsible in a meaningful way to prevent this from happening to others in the future? Can they be held responsible to me for punitive damages?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I want the following consumer statement immediately deleted from my XXXX XXXX, XXXX and Equifax credit report : I have never resided in the state of Minnesota and has resided in XXXX XXXX North Dakota since XX/XX/1974

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I want the following consumer statement immediately deleted from my XXXX XXXX, Experian and XXXX  credit report : I have never resided in the state of Minnesota and has resided in XXXX XXXX North Dakota since XX/XX/1974

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 2019-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2018 and XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2019-12-01 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: ERC
State: GA

Complaint narrative:
I have recently been informed that there is negative information reported by ENHANCED RECOVERY COMPAN Reported : XX/XX/2019 {$220.00} in the file you maintain under my Social Security number. 
No contract exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported.

I challenge the accuracy, compliance and reportability of these listings.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Sadly, NAVIENT is a very corrupt company that uses deceptive acts and nefarious means to obtain information about consumers, as well as collect on debts NOT OWED TO THEM. NAVIENT has identified themselves as a debt collector. The interesting thing is that I can not recall signing any contracts or agreements with NAVIENT, or being a signer on any contracts with them. I have written to NAVIENT multiple times asking for the ORIGINAL instrument of indebtness where I entered into an agreement with NAVIENT and they have ignored my requests, yet they continue to state that I owe them money on an account that I DO NOT HAVE WITH THEM. This has been ongoing for over a year. They are reporting this erroneous information to the credit bureaus and refuse to delete it. When I disputed it with the three credit bureaus and had it successfully deleted due to lack of proof provided by NAVIENT they reinserted it months later without giving notice ( in clear violation of the Fair Credit Reporting Act ). When I dispute again, the credit bureaus REFUSE to even investigate unless I submit additional proof with my dispute although NAVIENT has not provided me with ANYTHING proving this alleged debt so how am I to prove I do not owe it when they cant? The best part is now their legal department is threatening to possibly sue me, claiming that they made multiple attempts to get in touch with me another interesting accusation since I have written them multiple letters that they have simply ignored, disputed this, asked them about this alleged debt, and I still have not seen an original document to date.

Company response to consumer: Closed with explanation