vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: AZ

Complaint narrative:
XX/XX/XXXX I sold my house. Taxes and insurance were paid up to date by the transaction escrow company during the closing. I had an excess in escrow funds collected by the loan servicing company AimLoan.com. The loan servicing company owes me a tax/insurance escrow refund of {$620.00}. I provided a change of address to reflect my new mailing address. A refund was not received. 

On XX/XX/XXXX, an escrow summary letter from AimLoan.com was sent to my previous ( sold ) house and the USPS forwarded it to my new mailing address. I called AImLoan.com to make sure they had my new address ( I had changed it online ) and questioned when I could expect a refund check. They said it had been issued XX/XX/XXXX. No check was received. I was told I had to wait 30 days to be sure it wasn't just slow mail before I could request another check be issued. 

On XX/XX/XXXX, the re-conveyance of Deed of Trust was mailed by AImLoan.com to me at the old address. I called to have the address corrected again. Each time I called, I had to start over with the change of address routine. It seemed like a delay technique. 

On XX/XX/XXXX, XXXX 30 days after their issue date ) I made an official request in writing to have my refund check that was never received, re-issued. I was told it would take 2-3 weeks to check with their bank before they can re-issue a check. 

I received a letter ( at my new address ) dated XX/XX/XXXX from AimLoan.com research department stating they received my inquiry and referred it to the proper department for review. 

I received a letter from AimLoan.com dated XX/XX/XXXX from their research department stating they received my inquiry and referred it to the proper department for review ( second notice ). 

It is now XX/XX/XXXX and I have not received my escrow refund nor any further update on AimLoan.com servicing company efforts to refund my escrow surplus. Two months and 22 days past mt house closing and loan payoff date. Still no refund has been issued. 

Please help me get my money back from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX, a free credit monitoring service, stating that a company, XXXX XXXX XXXX, pulled my credit report. I did not recognize the company name, nor did I recently apply for credit or services with them. So I immediately contacted Experian and disputed the matter. Experian said that only XXXX XXXX XXXX can request for deletion of the disputed inquiry. They suggested that I contact the XXXX XXXX XXXX. 

On XX/XX/XXXX I called the company to speak with the owner or manager. The person who picked up the phone by the name of " XXXX '' ( not sure if that was really her name ) refused to give the phone to the manager. She insisted that I told her what the call was about. So I told her that I was calling regarding my credit report that their company obtained without my permission. She asked for my name and then she said, " Oh I ran the credit because you applied for housing with us in XXXX, and in XX/XX/XXXX you told us to keep your name on our list. '' Suddenly I realized that this woman was the woman who took it upon herself to run my credit without my authorization. 

My response was, " My authorization was good only in XXXX when I applied for housing with your company. It did not give you the permission to run my credit report anytime you want. '' XXXX was very defensive and she just kept on saying, " But you wanted your name to remain on the list. '' Then I said, " Requesting to have my name remain on your list does not mean that you have my authorization to run an inquiry on my credit anytime you want! '' The woman did not acknowledge mistake. She was just defensive and trying to convince me that she did not do anything wrong. 

Bottom line, XXXX did not allow me to speak with the manager of the company, and this is the reason why I would like CFPB to help 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 2020-11-22 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: Exeter Finance, LLC.
State: VA

Complaint narrative:
Exeter was incorrectly reporting late payment for XX/XX/XXXX and I previously submitted a CPFB complaint regarding the handling of that dispute ( see attachment ) .The CPFB complaint was resolved and the company did remove the late payment from the payment history on my reports, however, on my transunion report the payment status is still showing 30 days late. It says 30 days late for amount of XXXX. Please look at this again and correct the payment status on XXXX. Account was paid in full on XX/XX/XXXX and was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I frequently review my credit reports ( XXXX, XXXX, XXXX ) in XXXX, I noticed I had a collections Neg report. I had never received any Letter of Demand for Payment from anyone. As I investigated this issue, it was from my former place of residence. I didn't renew my lease for XXXX-2XXXX. So my move out date was XX/XX/2020. I cleared the apt and the location with a XXXX balance. I filed a dispute with XXXX, and within 2 days, the negative report was removed and credit score was restored. Not so lucky with the other 2 credit reporting companies. I have been in dispute with them since XXXX After their investigations, they respond with ( information reported is correct ) which is not. So XXXX XX/XX/2020, I mailed Transworld Systems Inc, a detailed letter with proof I didn't owe any money. ( bank statements covering the dates in question ). I have yet to hear from them. I am still filing disputes about this Neg credit mark. The basis for this ( Payment Due ) $ XXXX is for utilities not paid for XXXX/XX/XX/2020. The utilities are included in the monthly rent of $ XXXX. That being the case, If I hadn't paid my complete rent, Management would have notified me of partial payment and sent a letter of demand or an eviction. I paid my rent on time every time for 5 years. This is just total nonsense, that's probably why the entire staff was fired. This needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have contacted Citizen One Bank customer service on at least two ( 2 ) separate occasions via telephone ( XX/XX/XXXX and XX/XX/2020 ) and once via Certified Postal mail ( XX/XX/2020 ) to request that my PMI charge be removed from my mortgage as a result of having a 77.2 % LTV ratio which falls below their required threshold of 80 % or lower. To date Citizen One bank continues to send me the same generic letter informing me of the steps I need to take to request that PMI be dropped even though I sent the required written request as they have requested. I reported this issue to a Customer Service Representative ( XXXX ) on XX/XX/XXXX who confirmed that he saw the same letter has been sent out repeatedly and who spoke with his Supervisor to confirm that all I needed to do was send a written request informing them of my request as a result of meeting their LTV ratio threshold. I mailed the written request which was sent via Certified Mail and received by Citizen One Bank on XX/XX/2020 yet my request was answered with yet again the same generic letter I've received multiple times previously. At this point I believe Citizen One Bank is failing to met their obligation to drop my PMI payment as a result of meeting the necessary requirement in an effort to extort additional fees from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Wise Recovery Solution LLC
State: NY

Complaint narrative:
first i enter my information stuff like my first name, middle name, last name, address, zip code, and my email address and i then i put some of the pay number that i want for my self and i went to get my code from XXXX XXXX to credit wise to put it on home phone number but i didn't got the code on my home phone and i want to see what is my code from XXXX XXXX to credit wise.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TX

Complaint narrative:
Borrower : XXXX XXXX XXXX ( XXXX  ) Lender : Texas Capital Bank ( TCB ) Borrower requested to pay-off the loan from Lender, but Lender imposed the {$2000.00} for the so-called commitment fee on my pay-off amount. 
Borrower requests for the document that Borrower signed to agree to pay for the commitment fee. However, Lender failed to prove the document and declined to remove the {$2000.00} fee, then alleged that We will release collateral only after full payoff is received. Therefore, Borrower was compelled to pay the {$2000.00} when pay-off the loan for the release.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: VA

Complaint narrative:
XXXX was incorrectly reporting late payment for XX/XX/XXXX and I previously submitted a CPFB complaint regarding the handling of that dispute ( see attachment ) .The CPFB complaint was resolved and the company did remove the late payment from the payment history on my reports, however, on my transunion report the payment status is still showing 30 days late. It says 30 days late for amount of XXXX. Please look at this again and correct the payment status on transunion. Account was paid in full on XX/XX/XXXX and was never late.

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 2020-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
My wife and I have been in a COVID-19 hardship since XX/XX/2020. It has now been over 7 months with me losing my full-time job making {$90000.00} per year and now being on unemployment of {$440.00} per week. Citi has only provided 2 months of payment deferrals during this entire period and are calling us non stop every single day trying to collect a debt on a closed credit card that we have no ability to repay right now. This is the only financial institution that we are working with that refuses to help their customers in any way. We have done everything we can to make ends meet and make the minimum payment on this card for the last 5 months and are completely out of savings or any way to pay this card back, but they don't care. 

In the last 10 years, my wife and I have NEVER missed a payment on anything until now. 

I have requested additional COVID-19 assistance multiple times and have been sternly told no and that if the payment is not made they will seek collection services and possibly legal action. 

America is in desperate need of help during this terrible pandemic and the one credit card we have is being extremely predatory.

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 2020-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I am letting you know ... ... i have many complaints about my bank ... .i always have money deposited into my account like always ... the past few months have been a nightmare ... the bank refuses to let me use the outside atm machine ... the manager told me that the atm machine is broken ... and yet there are people litaraly taking money out of the machine ... it just wont let ME ... ..the bank also has kicked me out serveral times for not wearing a mask ... as well as give me my money that is in my account ... after multiple attempts ... .they now said they would let me walk up at the drive thru and in person have to take out my money ... this is crazy ... ..i need some advice and justice served ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I took out an auto loan with Santander Bank almost 3 years ago and they are not reporting my payment history to any of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Payments marked LATE in XXXX, XXXX and XX/XX/2019. I was traveling and thought Auto Pay for monthly lease payment was enabled via the bank website. I was informed in early XX/XX/2019 that two payments had been missed and resolved the issue immediately. 
Not a single representative at CHASE was helpful, in the slightest, and my credit has been significantly affected by this error. I have explained that the error was a website issue and there should be some sort of FAIR resolution but they wont even respond to my request. I only recently received a form letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
My cable TV and Phone service was installed by XXXX on XX/XX/XXXX. Soon after the installation the TV and phone were disabled and the main cable box was displaying Video Registering. After my complaint to XXXX, many attempts were made by their technicians with no results. They said that my television was causing the problem. I contacted XXXX and after tests were made they concluded that the problem was the cable box. Due to the spreading of the virus my wife and I, seniors in our XXXX decided not to have techs over. We have lived with this problem for the past 8 months. We paid every month if full including the month of XXXX although we did not receive full service. ( See attached ) On XX/XX/XXXX we switched over to XXXX. XXXX wants us to pay {$180.00} for XXXX because we canceled their service 2 days into the month with no service provided. We have no contract and I was not told of this rule. 
Thank you, 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 2020-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
First I sent in a letter but it was left unacknowledged then I tried to dispute it online and it has been in que since XX/XX/2020, calls do not get picked up and the website only shows some items available to dispute but all under collection. The whole Equifax is bad I'm shocked how much stuff is incorrect. Might be a glitch idk.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: CO

Complaint narrative:
I am very frustrated! Some company online stole my information and charged over 1000 dollars from my unemployment account. Its ReliaCard, They have put in a dispute they say? I can not pay my bills because they have a hold on my unemployment money. Why should I be punished for the people who stole my identity. I am completely broke and can not pay my bills my rent is going on 2 months late! This ReliaCard is horrible. When I call they do not know what they are talking about, I get a different response every time, I have sent in my drivers license, my sac. A electric bill, what do they want next my DNA. Please please help 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 2020-11-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
ReliaCard has had my money since XXXX and wont release it! I verified my account several times was told everything was good to go and still cant access my funds

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 2020-11-22 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: MO

Complaint narrative:
I closed an account with XXXX XXXX back in XXXX. When getting ready to return all the equipment, I inquired about equipment that they had mounted/attached to the floor joists downstairs. The representative told me that I didn't have to return it as that equipment is no longer used with the upgraded technology. 

On XX/XX/XXXX, I received a collection notice from XXXX  XXXX XXXX : # XXXX. I called them and told them I couldn't owe XXXX  anything because my account is on automatic withdrawal from my checking account and has been that way for two years. I then called XXXX  and inquired about the collection. Finally after further investigation I found out it was for a modem that was attached in the basement. On XX/XX/XXXX, I returned that equipment to XXXX Receipt # XXXX filed a resolution document with XXXX XXXX  and provided all the information to them on the return. 

On XX/XX/XXXX, I contacted the credit bureaus and disputed the collection since it hadn't been removed. XXXX removed the collection. XXXX  and Transunion have not. I think I provided enough information and justification to have this removed.

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 2020-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Fraudulent charges made on this account already reported to the credit grantor. some one else used this card without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It all started Sunday XX/XX/2020 when I came across a XXXX resell page on XXXX. After repeatedly being told by the seller that he is a trustable business man and having received what is now deemed to be fake evidence of his customers ( XXXX  ) I decided to make a payment of {$300.00} in order for the seller to know that I was serious about the deal. After the transaction was completed through XXXX around XXXX XXXX on that Sunday morning, the seller said that he would send tracking information after he finished what he had to do. After a few minutes, the seller proceeded to block me on XXXX which deleted all of his messages and my attempt to request a refund on XXXX was declined. I filed a transaction dispute with Bank of America ( declined within 3 days ) as well as XXXX  itself, but they could not resolve the problem when I clearly had all the evidence to show that I was scammed.

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 2020-11-22 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: NY

Complaint narrative:
Hello Equifax. I am a Identity theft victim. I have attached my Federal Trade Commission Report along with the letter with all the fraudulent accounts on it with my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: CA

Complaint narrative:
Payments marked LATE in XXXX, XXXX and XX/XX/2019. I was traveling and thought Auto Pay for monthly lease payment was enabled via the bank website. I was informed in early XX/XX/2019 that two payments had been missed and resolved the issue immediately. 
Not a single representative at XXXX  was helpful, in the slightest, and my credit has been significantly affected by this error. I have explained that the error was a website issue and there should be some sort of FAIR resolution but they wont even respond to my request. I only recently received a form letter in the mail.

Company response to consumer: Closed with explanation