vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I have sent information to CFPB about a year ago and did not hear back. That is why I am submitting a NEW complaint. I had to handle the situation on my own! Back in XX/XX/XXXX, I had a servicer called Green Tree Mortgage who contacted me about the new terms and conditions of my loan. My loan was sold to Green Tree from XXXX XXXX XXXX. I was offered something completely unacceptable and went through a 2 year process back and forth in an attempt to get a loan modification. I sent complete packages and was repeatedly denied. Finally, in XX/XX/XXXX, I asked IF I could short sale the property and was told the ONLY way I could do this is to stop paying on my loan. I did NOT want to do this but was told they would release me. But this was a ploy to destroy my credit and foreclose on the property. Early this year, I met with representatives of Ditech, their attorney and the XXXX XXXX County Circuit Court in XXXX XXXX, Maryland. It was discovered during this meeting that Ditech improperly advised me on procedures for completing a short sale. The damage has been done and they also want me to adhere to a promissory note. I should be released from the promissory note. I no longer have the property, it was sold for the current appraised value so they have been paid and made whole! Therefore, I am putting in a complaint against Ditech Mortgage ( formerly Green Tree ). Can you assist me? I want restitution for the damage they have done to me! XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA Savings Bank sold ( 4 ) accounts and the debt associated with these credit cards to the XXXX XXXX, aka XXXX  XXXX. These cards are not mine and were opened as a result of identity theft and fraud. I have never used these cards and have never had them in my possession. I notified USAA as such. I also provided USAA proof that I was a victim of identity theft and each of the three credit bureaus froze my account and placed notices of such therein. XXXX XXXX is now contacting me attempting to collect on the fraudulent accounts and obtain money under false pretenses. I have asked that they provide the same supporting information on which USAA relied to make their original claim, but to date they have not responded. I hold USAA and XXXX XXXX liable as they are both in violation of FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
In the first complaint I submitted to CFPB ( to be more exact refer to complaint # : XXXX ) Experian replied that : verified that the disputed information was accurate as reported. The result summaries were sent to you for review on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And with this, EXPERIAN closed the complaint on XX/XX/XXXX. On XX/XX/XXXX, I made a complaint feedback note for complaint # : XXXX and create new complaint # :XXXX, because the first one was CLOSED BY EXPERIAN . On XX/XX/XXXX, I received a notification from CFPB that EXPERIAN RESPONSE with the following statement : Unfortunately, at this time, we are unable to process your disputes, as they are not specific. We must have a specific dispute that includes the account name, account number or the name of the inquiry and the date, or if you are disputing personal information we need the specific name, address, employer or telephone number. And with this, Experian closed the complaint on XX/XX/XXXX. So, I feel extremely lost because in the first complaint, Experian said they verified and my disputed information was accurate as reported ; and in the second complaint, Experian says they can not do anything because they needs account information. This is unacceptable and I feel outraged. So, here I send you the information requested on complaint # : XXXX : XXXX XXXX : ACC # :XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX For all this five accounts  listed above, Experian failed to send proof of verification for each of the account. Also, all of these accounts were listed in a total of 9 USPS Certified Mail Letters that I send to them. I have copy of each letters as proof of verification. The LAW is clear ; all unverified accounts must be promptly deleted. Another crass error of Experian is that the date of birth is incorrect ; perhaps this is why these accounts appear.

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 2017-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I submitted a complaint through CFPB and they said that the {$37.00} fee would be refunded to me on XX/XX/XXXX and it HAS N'T been done. Response from original complaint. On XXXX XXXX, 2017, FNB issued you a one-time courtesy refund of OD Fees in the amount of {$37.00}. I need this done like XXXX XXXX XXXX said it would be and I have no further questions or need to speak to anyone on the phone. If you care about my business and want this to be finally resolved then I expect XXXX XXXX XXXX to make sure it gets done. Please respond back to this complaint when it is truly done and I can pull it up in my online banking and see it done, I realize it will now be done after the XX/XX/XXXXbut need this done ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC paid my check # XXXX twice, on XX/XX/XXXX and XX/XX/XXXX. They refuse to refund the double debit because of " the age of the item ''. They told me this in a letter dated XX/XX/XXXX. I asked them what they do to protect my account from duplicate payments and the personal banker at the XXXX XXXX branch said it was my responsibility to collect overpayment from the payee?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
In XX/XX/XXXXwe refinanced our home with XXXX XXXX XXXX, making bi-weekly payments throughout the years until XX/XX/XXXX. In XX/XX/XXXX we were advised our mortgage was being transferred to Select Portfolio Servicing ( SPS ) with no interruptions or changes to our current agreement with XXXX. However, in XX/XX/XXXX we contacted Select Portfolio Servicing ( SPS ) after noticing a payment had not been deducted from our bank. We were told at that point by SPS no payment was due until XX/XX/XXXX because we had overpaid XXXX. We requested to continue paying our monthly note and the " over payment '' be applied to the principal balance amount. We were told that was n't possible and the amount due in XX/XX/XXXX would be the daily compounded interest plus the monthly amount due, which will be in excess of over {$2000.00}. We have however continued to pay our monthly note only to have the principal balance increasing monthly. We have contacted several agencies to help with this situation only to be told unless we are at risk for foreclosure or behind in our payments we do n't qualify for any assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I went to bank of america at XXXX XXXX XXXX XXXX in XXXX SC to cash a check that was wrote out to a young lady that I was buying a truck and trailer from. The check was for XXXX and it was wrote out to her personally so I went to the bank with so I can pick up the equipment. The first day they said it was to late in the day and we had to come back tomorrow. The following day we went back to the bank and attempted to cash it again and the teller said no funds was available. I contacted the lien holder and they said no way there 's money in there. So the teller called her manager who name was XXXX she said oh the signatures do n't match what we have in the system. I called the lien holder again and XXXX the lien holder at XXXX XXXX said tell her to call me. I told her what she said and she called her manager which is over the bank. XXXX which is the branch manager said hold on, came back 20 minutes later and said, i 'm not calling nobody and I 'm not cashing the check end of story. We left and went to another Bank of america and the manager looked at the notes they put in the computer, laughed and told us to have a seat. He went to his office verified the check with the lien holder and cashed it. I feel I was discriminated against because the color of our skin. I contacted the manager over that county and she apologized to me saying the branch manager did n't know she can call the customer to verify the check. That 's a bunch of XXXX and she know it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CO

Complaint narrative:
I noticed recently that i had a {$1200.00} garnishment withdraw from my bank account. I have never received anything in the mail, from the courts, or any phone calls to indicate this old debt. After contacting the creditor listed through XXXX XXXX, I learned that they issued judgement for a Credit Card account opened in XX/XX/XXXX. Upon asking for further information they provided me with : the original household credit card open date, of XX/XX/XXXX said it was charged off XX/XX/XXXX and was simultaneously sold to XXXX XXXX on that same date. And on XX/XX/XXXX it was then sold to Jefferson Capital. I  have asked for information that dates back to the opening of original account. From what I have been informed and also read, it appears that even if this account is mine, the statute of limitations ran out in XX/XX/XXXX. The attorney that I have consulted with is associated with a cost of nearly the cost of the garnishment. So the next most affordable thing instructed to do was to be here, filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Unexpected Fees - Non Disclosure of Fees. The banking industry needs more oversight and consumer protections placed on it. I was issued a check from my Father 's succession by the title company with an account from JP Morgan/Chase. My bank would hold the check for 10 days. I had an emergency, under duress, stress, and financial hardship and needed the monies asap. I was told over the phone by a Chase Bank, XXXX. XXXX, XXXX, LA teller, there would be no problem cashing the check as I explained I do n't have an account with Chase. There was no mention of an {$8.00} fee. After driving 45 mins.out of my way, even though I ca n't afford the gas, and the stress to get time away from work, to the nearest location to me, I was told there would be an {$8.00} fee which the manager refused to waive and I was told it was their policy. I asked the teller where was that policy posted in this bank building, and she told me that it was n't. They had their bank disclosures posted on the wall, but the print was too small for me to read with glasses and people with XXXX XXXX ca n't read it at all. I also pointed out to the same teller who also mentioned the posted policies that the {$8.00} fee should be specified and it 's not. I asked - she also did n't know. The fee for walking in this bank building and cashing their customer 's check cost me {$8.00}. They are charging their customers and non-customers alike. The principle of anyone taking any money out of my father 's estate except his heirs is infuriating. As a Sr. Citizen, this is unjust! The FTC should be involved as well. I want my {$8.00} from Chase, and I want the US Government to end this unfair banking practice. At the very least, Chase bank should be made to post a sign at the point of transaction at the teller 's window that if you are n't an account holder it 's going to cost you one way or the other. This is a violation of the public trust, rules and ethics and non-disclosure. No wonder businesses are suffering in the US. I would never want my customers to suffer cashing a check from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: TX

Complaint narrative:
I have contacted TransUnion several times to have unauthorized inquiries removed, yet they will not remove them. There is no documentation that I authorized these transactions and I even have a fraud alert on my file. It is unfair to have to reach out to companies, with no success, to try to get inquiries removed that I did not authorize to begin with. Also, it is unfair and not good practice to continually deny me, yet when other customers call a rep will remove inquiries for them with no hesitation or valid reason being provided. If the policy is that an inquiry should stay on file for two years, this must be enforced consistently with each client. And that is not the case. At this point, if my issue is not resolved, I would have to escalate to BBB and The State Attorney 's office. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order None of the below inquiries have open/active accounts on my report nor were authorized and I would like them removed ASAP : - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX -  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX - XXXX XXXX XX/XX/XXXX -  XXXX XXXX and XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX ( 2x ), XXXX ( 2x ), 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 2017-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: NY

Complaint narrative:
In 2013 I moved out of my apartment where I had XXXX XXXX XXXX. I sent the equipment I was using back via prepaid shipping labels that XXXX provided me. Not long after they attempted to the claim the equipment was 'never returned '. I argued this point with them originally and they agreed back then and backed off the issue. Fast forward to this weekend and I have a fraudulent derogatory mark added to my credit by 'XXXX XXXX XXXX ' in the amount of {$380.00}. This is absolutely fraudulent and attempt to derail my near perfect credit between two corrupt organizations. I 've heard of this exact same tactic being used on many individuals via online research. I want this removed from all three credit reports immediately and both of these companies should be pursued with legal action!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
After further investigation into my problem that began on   XX/XX/XXXX , I fi nally discovered what has transpired without my knowledge damaging my perfect credit with no help from  XXXX   XXXX  whereas they continue to willfully violate the Fair Credit Reporting Act.     I had a  XXXX  M FINANCIAL lease which I turned in on  XX/XX/XXXX  (   XXXX   XXXX   ) I extended th e lease by  ( 1 ) month w hich was verified and paid on time just like every payment in this history on this  XXXX   XXXX  Lease that matured on   XX/XX/XXXX .       GM Financial agreed  to waive charges if I took out another lease with them and so on      XX/XX/XXXX   , I    signed for a new lease for a  XXXX   XXXX   XXXX  for 39 months.     Since inception date of new lease (  XXXX   XXXX   ) and disposition of former  lease (  XXXX   XXXX   )  both conducted on the same date (   XX/XX/XXXX  ), I never e ver heard fr om GM FINANCIAL  except for sending me monthly bills on my new lease to which I have paid to date without every being late 30 days ever.     I never received a final bill for my former lea se (   XXXX   XXXX   ) in any capacity. I NEVER received a bill asking for payment by Regular U.S. Mail, Express Mail, email of record, voicem ail on my phone number on record, no text message, absolutely no conveying of a debt owed at all.      First of all, I should n ot have a bill since I acquired a new lease through them again and secondly, If I did have an actual bill, I should 've had a chance to receive a bill to be able to review it and then pay for it. On   XX/XX/XXXX ,  all  XXXX  credit bureaus  (  XXXX ,  XXXX  and   XXXX   ) have me    CURRENTLY at 60  days late.     I have never ever been late 30 days ever to ANY CREDITOR ever at any point in my life and to have this erroneous mark appear with a " Past Due Balance of {$700.00} '' is not only absurd but unprofessional and in violation.     If I was alerted property, I would have paid that {$700.00} is indeed I owed {$700.00} dollars to them.      1st, s ince my lease termed and ended  on  XX/XX/XXXX , WHY did GM FINANCIAL fail  to properly notify me in any capacity and in addition, WHY did they wait 9 months without  zero communications to suddenly place a " current 60 day late '' on my credit reports damaging my c redit reports and damaging my current application for a refinancing of my residential property?     I have now also alerte  d the State Attorney and the Federal Trade Commission.
This erroneous trade-line must be deleted at once by GM FINANCIAL and a  lso must furnish a copy of this alleged final bill of " {$700.00} '' so it can be property paid if in fact this is a factual owed amount and itemized.     Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: AL

Complaint narrative:
I have worked and worked after seeing my Credit Report and saw so many accounts that did not belong to me. I was saddened because I had no idea that it was even legal to report so many things that were untrue. I do not have a problem with paying debt that belongs to me but this is ridiculous because I have no knowledge of these accounts, please remove them immediately!     XXXX / No know ledge of this debt!  XXXX /  XXXX -No knowledge of this debt! Ive never had a  XXXX  account nor do I have a home to get these services, I am trying to get a home and that is why I pulled my report, I live with someone else currently!    XXXX  reports   XXXX   times, have n't even been to college so this could not be true! I have no knowledge of this debt.  XXXX   XXXX , Same as stated before, I have no knowledge of this debt.     XXXX   XXXX   XXXX  - No knowledge of this debt.     XXXX   XXXX  - No knowledge of this account!     XXXX   XXXX   -No knowledge of this debt!    XXXX   XXXX  -No knowledge of this debt!   I also have unauthorized inquiries and I have no knowledge of these companies! Nor did I give them the authority to pull my credit!    XXXX   XXXX  /    XXXX   XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX   XXXX   XXXX    All these inquiries are unauthorized! Please help me to remove these things off my credit.  They are stopping me from moving forward and this is very much unfair because this debt does not belong to me!

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 2017-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
hello I pay my bills off in full every month.     From m y  XX/XX/XXXX  statem ent, I owed {$1100.00} and made paym ents of   XXXX   XXXX  , 2017 : {$1 20.00}  ( before due date )   XXXX   XXXX  , 2017 : {$35.00} ( befo re due date  )   XXXX   XXXX  , 2017 : {$990.00} ( after due date ) for a total of {$1100.00} This does not include returns also.    Even if you go by their premise, they are charging me {$10.00} for what?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-24 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: AL

Complaint narrative:
PLEASE READ MY COMPLAINT AND INVESTIGATE THOROUGHLY. I N  XX/XX/XXXX  M Y IDENITY WAS STOLEN AND SOMEONE WAS LIVING AS ME IN  XXXX   XXXX  NEVADA. I HAVE FAXED OVER SUPPORTING DOCUMENTS TO ALL PARTIES INVOLVED.   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX , EQUIFAX AND CFPB. I HAVE ENCLOSED 18 YEARS OF STATED ISSUED ID AND ALSO COLLECTION LETTERS FROM STATE OF ALABAMA FOR  TAX YEARS  XX/XX/XXXX - XX/XX/XXXX . HERE ARE MY CONCERNS.     1. I HAVE LIVED IN ALABAMA ALL MY LIFE 2. I  HAVE 19 YEARS OF STATE ISSUED ID FROM ALAB AMA 3. I HAVE COLL ECTION LETTERS FROM DEPARTMENT OF REVENUE STATE OF ALABAMA WHERE I OWE TAXES FROM   XX/XX/XXXX - XX/XX/XXXX .  HOW IS THIS POSSIBLE IF I WAS IN  XXXX   XXXX  NEVADA PLEASE BETTER RESEARCH AND REMOVE THESE ACCOUNTS IMMEDIATLEY FROM ALL  XXXX  CREDIT BUREAUS

Company response to consumer: Closed with explanation