vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NC

Complaint narrative:
Since XX/XX/XXXX I have been paying home insurance ( XXXX XXXX ) and also paying escrow to my mortgage company ..XXXX sold my mortage to PHH XX/XX/XXXX.I have ask numerous times to be refunded and then was told the case was closed and they would only pay for 2 back years totaling {$5000.00}. Now they have left it up to me to fight the Insurance company XXXX ( XXXX ) whom they use. XXXX XXXX has records of my payment and there paying the mortage company also>I have since asked to be de escrowed told I wasn't eligible. after turning them over to the NCDOJ they are now looking into it again. 
My mortage payment is around {$460.00} my insurance ( escrow ) is  {$430.00} big problem here. I want to be de escrowed and my over payments returned..by whomever is responsible. 
I have had numerous conversations and get the run around each time and someone different each time. Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: MD

Complaint narrative:
I made a payment to XXXX XXXX to pay off and delete the trade line from my account. 

The full amount owed was XXXX. 
I was told that If I paid a smaller amount they would delete and remove the account and sent a letter that says just that. 
It stated " Pay the amount of XXXX and we will consider this account paid off and request removal from the credit bureau '' Once I paid the XXXX, My account still showed that I owed them a balance of XXXX. 
I called and they said they never said they would submit for delete but would submit as settled to the credit bureau. 
I noted that settlement and paid in full are two different things and the language on the letter did not state settlement. 

I went to submit a payment for the remainder of the XXXX and they said it wouldn't process until the next day but I said it should process right away because it's not an ACH. It should've been submitted for the XXXX of XX/XX/2019 but the processing would go through the next day. 

A week goes by and credit is reported and the account is still open ; along with it stating the balance was lower. 

I asked them why they sent a letter saying they would request delete if paid and then not submit the request on the day they submitted new balance? 

They said it takes 30 days to do that but it shouldn't because it's the same submission process on that day. 

So, they've updated my balance with a lower amount owed but the account is and has been paid in full and completely closed out. 

All payments were submitted on 8th and the money was already withdrawn from my bank account on that day for both payments. 

My account should be completely removed from the bureau ; as full balance has been paid and they stated they would submit to have it removed once payment was made. 

They said I will have to wait until next month but all payments were submitted and withdrawn from my bank account on XX/XX/2019. 

They said the submit their credit reporting on XX/XX/2019 So, if that's the case. 
The payment I made earlier in the day shouldn't have been reported either I would like for this account to be removed from credit immediately - As I've not only " paid the settlement '' in their terms but paid it in full as well. Regardless, even if I made two separate payments. They said they would have the account removed if I paid {$290.00} I paid that amount so if they reported on XX/XX/2019 and I had paid what they requested me to pay to have account removed from credit. It should still be removed whether I paid the remaining amount or not but I also paid that extra amount and paid the full balance of {$490.00} so the account should be reported and showed accordingly on the credit.

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 2019-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
this is with PNC bank where I obtained a home equity first mortgage loan on my condo 4 years ago. One of the conditions of getting the rate was to have the  payments automatically deducted from a PNC checking account. They indicated to me verbal and on a written document that as long as the checking account is linked to this type of loan that I would not be charged fees on having a low balance. My payment is XXXX a month and every quarter I deposit about XXXX to cover 3 months payments. I have another account where I do my day to day checking so I only use this checking account for making payments to this mortgage. I recently received a bank statement that had a fee for a low balance. I never been late on a payment and never overdrafted this account. An employee at the bank informed me that the bank changed their policy on linked accounts. They should not do this to accounts that were previously established on the conditions of linking accounts for making payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Spoke to one XXXX XXXX of WellS Fargo he stated ref my complaint to CFPB the file or completion would be to back of line even though com plaints were made to CFPB ref to Wells Fargo Mortgage and Dealer Services? What one has to do with the other is uncomprehending? Mr. XXXX returned phone call @ XXXX XX/XX/2019 while I was away form notes and repairing my personal vehicle. XXXX XXXX XXXX XXXX left message to call never did to resolve matter! Now as retaliatory to my complaining to CFPB my actions with Wells Fargo will go to back of line. I have done everything that Wells Fargo has demanded including fax necessary documents from branch office on XXXX forbid a Saturday where the clerk had a terrible attitude. Ref to Dealer Services Wells Fargo argued the side of the dealer, XXXX XXXX the interest rate was not competitive most dealers charge 0 % mine was4.490. % resulting in a {$3000.00} down payment an alleged new vehicle with body damage Efforts to resolve matter have been to no avail XXXX, N.Y offered an upgrade to a XXXX XXXX XXXX XXXX @ {$380.00} a month withNO money down. Vehicle with body damage has sat in my garage driven there by spouse with only 98 miles on odometer since XX/XX/2019 This rip off is perpetuated by lack of any action by Wells Fargo who financed damaged vehicle!

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 2019-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My complaint is against Transunion. I can not get any answers on their website without paying a monthly fee for their services. I have tried to dispute something on their website and the website is either not functioning properly or the website does not allow me to file a dispute. 
There is not a way to email anyone. When I try to call, nobody answers the phone. I just stay on hold or they hang up on me. 
Also, I have been making a house payment since XXXX of XXXX with NO late payments. I have been making a car payment since XXXX of XXXX and there are No late payments on that either. I have had one late payment on a credit card in the last 2 years. I have tried to dispute the XXXX XXXX account with Transunion but I don't get anywhere unless I pay them. 
Out of all 3 credit reporting agencies, Transunion has me scored the lowest. They don't give me a way to resolve anything on their site. I make timely payments on my home, car, utilities, home services, yet I have less than a XXXX credit score. This reporting seems very unfair. There is no way to resolve any issues with them unless I 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 2019-05-15 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 — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: IN

Complaint narrative:
Netspend failed to credit my account or even give me a chance at a proper investigation they kept denying my claim of unauthorized charges. When in fact if they would look at the video footage from the atms where the money was withdrawn without my consent or knowledge they would know that my disputes were valid. I was a netspend customer For over a year and I had a business and personal account with them which they claim to secure customers money with the fact that theyre supposed to credit customers accounts when I have disputes by law I believe up to {$500.00} and they kept denying my dispute even though it was XXXX just so they dont have to pay me the money back I got my tax check into one of my Netspend accounts back and second week of XX/XX/XXXX I believeAnd there were charges that were an authorized in the amount of {$480.00} that werent credited back 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 2019-05-15 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: PA

Complaint narrative:
I noticed on my credit report from XXXX XXXX that I have a hard inquiry from XX/XX/2018 from XXXX XXXX XXXX. XXXX XXXX told me to go to the creditor. I called XXXX and they told me they dont work with airlines, theres nothing they can do about it, and to call Transunion. I called Transunion who tells me to call XXXX to have this resolved. I explained to Transunion that I already spoke with XXXX. Transunion tells me to send them a copy of a letter from XXXX saying they dont work with airlines. I explained that XXXX told me they wont send me anything. 

I am getting the runaround on this matter from all parties and thats why Im seeking your help. I did research on XXXX that showed the hard inquiry is happening to others and is fake. 

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 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: NJ

Complaint narrative:
The background company Checkr is not pulling in the correct information from the NJ Motor Vehicle Commission. I applied for a driving position with XXXX. XXXX used Checkr as the background verification company. The company sent an adverse action stating the main reason were two items listed on the report as operating during a suspension period on XX/XX/2017 and XX/XX/2017. I contacted MVC and confirmed that the XXXX item is a notice of scheduled suspension and the XXXX item is the actual suspension. I contacted the background company and explained this to them. They required me to obtain this detail from MVC and send it to them. This cost me {$15.00} to obtain an abstract and send it in. My position is that if the company is hired to provide accurate information, they should work with the agencies to understand what all of the codes and events are and report them accurately. Checkr has not done this. I am requesting assistance from the CFPB to enforce this so that not only this company is held to the standards setup to protect consumers, but other companies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Good day Sir /Ma'am, I took out a second mortgage on my home in XX/XX/XXXX with XXXX mortgage for XXXX. After paying almost 2 years on it at XXXX a month my family succumb to financial hardship due to my illness from XXXX. At this time we choose to modify my first and second mortgage through XXXX  XXXX XXXX. I was face to face with the XXXX reps when the modified both and signed agreements. In XX/XX/XXXX years later XXXX DEBT COLLECTOR said I owed XXXX for the second mortgage. After calling around skip tracing, contacting family members, belittling me and wife, and calling weird hours of the day. I finally made a complaint with CFPB. Then for a minute or two we had peace of mind. Then in XX/XX/XXXX we got transferred SPECIALIZED LOAN SERVICES. This company not only add interest back from XX/XX/XXXX till now but, they send both me and my wife FORECLOSURE notices just last week in XX/XX/XXXX for XXXX. Interest fees, late fees, service fees and I am assuming lawyer fees as well. As I look on my county record dept. website I dont see a thing. Ever since XX/XX/XXXX do I see anything referring to a second mortgage. No tax or irs papers for interest, nothing on any of my fica example ; equifax, experian, or transunion. In XX/XX/XXXX I ask them to stop calling me everyday and stop the mass mailings. They continue to call even up to today I block there many number several times. I am not sure if my STATES STATUTE OF LIMITATIONS apply in my case after the barrel rolled the time.Please we need clarity before we lose our home. 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 2019-05-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My husband ( now ex-husband ) opened up a CD, IRA in my name in XXXX of 1990 at the XXXX XXXX  in XXXX NJ. It was in the amount of {$620.00} with an 8.20 % interest rate that would mature when I am XXXX years old. I am currently XXXX years old. 
I have been holding onto this paperwork since my divorce 18 years ago. I have contacted the bank PNC which bought out XXXX XXXX in the late 1990 's. They report having no records of the above CD. I have been given the run around and can not find any support. 
I have the paperwork in my possession. 
Please let me know what my options are. Thank you kindly for attending to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
This is not my account and i have never had any business with this company. Please remove this account that does not belong to me off my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I mailed in credit investigation requests on XX/XX/XXXX. I was supposed to receive something back within 30 days, but so far, I haven't received anything.

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 2019-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I applied for a HELOC with SunTrust bank. After vetting, they told me the basic approval terms and rates I was approved for with the HELOC. They asked me to show up to close and sign which takes " about ten minutes. '' I asked that they email me the loan documents so I could review the terms of the HELOC in detail before signing. They refused to send me the loan documents even a few hours ahead of closing. Instead, their policy is that you are supposed to sign the loan documents without seeing them ahead of time, but they verbally promise you that you can back out within 3 days of signature. They were expecting me to " sign blind '' and then try to figure out what I had just signed. 

The problems with this are at least 1 ) this gives me no opportunity to negotiate ahead of time if I find terms I don't like, 2 ) I have to just trust their verbal promise that I will be able to back out if I want, even though I have definitely signed something, 3 ) Even three days after is too short a time for most contract attorneys I might ask to review it for me, meanwhile the clock is ticking and I have already signed it, 4 ) I am given lower interest rates if I take out certain amounts of money AT CLOSING, i.e. I  get lower rates if I sign blind and take out money immediately without having an attorney review, etc. 

This practice seems unethical, highly likely to " trap '' people that don't understand the terms, and I don't understand if it is legal, or why it would be.

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 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I had a freeze put on my Equifax credit report and I've been trying to take the freeze off so I could open a bank account with XXXX  XXXX XXXX. 
They put my application through " the bank '' about eight or nine times and it still wasn't unfrozen. I unfroze it online like they asked me to do ( the people at Equifax ) and it still didn't work. 
I'm just wondering why I can't get them to unfreeze my credit report so the bank can look at my credit and give me a new account. This is very frustrating to me personally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Description : from XXXX I was able to talking with XXXX XXXX, XXXX user name : XXXX. 



We were using XXXX messenger and then email to communicate. 

He was supposedly selling a watch XXXX XXXX XXXX. with the box ( document provided ).  After finished the deal and waited to receive the watch.. I got a bag of teas from XXXX.. ( document provided ) The email that he sent with the photo of package and what I received matches so we have a strong case! ( document provided ) As other XXXX buyers mentioned, he and his friends are a scammer and stealing money. ( document provided ). 

He and I agree to do the deal over the PayPal invoice! The following day he changed his mind doing the deal and canceled my invoice requests. ( documents provided ) As I mentioned in the email, I was backing out the deal because he kept insisting to just direct transfer.. giving different PayPal ids ... 

He tricked me into it by providing me the tracking info by royal mail.. when he was so confident that he already sent the package, I never imagined someone to sent a bag of teas and scamming someone!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-15 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: MD

Complaint narrative:
There are collections on my file, one is fraudulent and one was reported past the 4 year deadline of oral agreements of Florida statue of limitations for filing a claim ( 4 yrs and months ).

The fraudulent one has had the correct records sent to all reporting agencies showing its fraudulent ( I went to a completely different facility with a different doctor than what XXXX XXXX is claiming ) yet they wont remove it. 
The one that expired shows it was from time of first activity was XX/XX/XXXX but wasnt reported until XX/XX/XXXX. They have refused to address this and remove item for the statutory offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: LA

Complaint narrative:
I mailed in credit investigation requests on XX/XX/XXXX. I was supposed to receive something back within 30 days, but so far, I haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i have two account checking to be exact i have overdraft protection on .one of the account it not i use only to cover overdraft if it happens but chase just inform me that a checking account can not be used for overdraft protection. all the items are been clear right before midnight or 3 minutes before or not showing a negative account at all into nest day where they charge the fees. not giving the customer the ability to transfer the money within the same bank. also i have alert that inform when my account is overdraft never arrived the text either until after the charges have charge or not at all. i feel this type of transaction are having the customer be cough with all this charges with no chance to deposit or transfer money very snick practices XX/XX/XXXX 2 charges of 34 other times multiples charges of 4 transaction of 34 being charge when the money was deposit before everything else was clear.

Company response to consumer: Closed with monetary relief