vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
O N XX/XX/XXXX, RECIEVE A LETTER FROM MORTGAGE SERVICING COMPANY SPS OUT OF XXXX XXXX XXXX, UTAH. THE LETTER STATE 1.) THAT THEY ARE SETTING UP AN ESCROW ACCOUNT WITHOUT MY CONSENT, 2.) THAT THE MONTHLY PAYMENT IS BEING RAISE FROM XXXX TO AMOUNT OF XXXX. THE PURPOSE OF THIS ACTION I BELIEVE IS THAT I AM COMPLAINING BECAUSE THEY ARE CHARGING ME  INTEREST ON AN ADVANCEMENT THAT ANOTHER MORTGAGE COMPANY USED TO PAID MY TAXES SEVERAL YEARS AGO ( MORE THAN 10 YRS AGO) AND THEY ARE DEMANDING THAT THIS AMOUNT WHICH IS DUE ON THE LAST PAYMENT OF THE MORTGAGE WHICH THE ADVANCEMENT DID NOT COME WITH ANY INTEREST DEVICES OR PAYMENT SCHEDULE OR A SCHEDULE TO WHEN IT WOULD BE DUE.SECOND THEY ARE NOT THE FRIENDLY COMPANY TO GET RESULTS FOR MY MORTGAGE. IF I HAD MY WAY I WOULD HAVE NEVER USE THEM.THIRD  THEY CONTINUE TO HARASS MY PHONE WITH CALL ABOUT MY TAXES AND HOME INSURANCE WHICH BOTH ARE CURRENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a online money market at BBVA compass following a link that I will get a bonus if I put a certain amount of money. Few weeks later I asked about my bonus and I was informed that there was not bonus.  They were nice enough and gave me few dollars not even the 50% that it was offered. Then, I decided to transfer some funds.  To my surprise even thought this is an online account and they do not have any physical account in my state or surrounding states they charge to make any transfer. They are suppose to be part of XXXX   that does not charge but not yet. They have XXXX XXXX and they charge.  Then you cannot take more than $10000  a month, please this is not a CD is a money market account.  Then, I decided to close my account. Too much headache.  I submitted their request as stated by them, notarize letter, statement as they state: "my funds to be mailed to my address on file" and so on.  I submitted the letter on XX/XX/19 and this is the day XX/XX/19 and nothing; I have not received my funds.  I have called several times and they say that they are going to escalate the case. There is always escalation and when you talk to a supervisor they do not give you an id # or last name. It is XXXX or XXXX or XXXX (there is only one XXXX in a BBVC bank? hard to believe).  Then, finally I see no funds on my account but there is not any email or anything explaining where is my money. I have not received any check.  They have my email since when I opened the account they sent me an email.  They have playing with my money half a month and I they have been only "escalating" the case and now the money has disappeared and no check on XXXX  has arrived to my address on file.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
My mortgage was recently sold to NewRez. We received an escrow analysis dated XX/XX/19 from NewRez. The escrow analysis shows that NewRez made an incorrect PMI payment in XX/XX/2019.  NewRez paid $XXXX, when the PMI amount is supposed to be $XXXX. Further, the escrow analysis shows this $XXXX being projected every month going forward, causing my mortgage payment to increase by $XXXX per month starting XX/XX/2019. I called and emailed on XX/XX/XXXX to ask why NewRez has the MPI incorrect. I made a follow up call today,XX/XX/XXXX, and the NewRez representative told me there has been no progress and he would email his manager.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The late payments reporting on the accounts XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Galaxy Capital Acquisitions, LLC
State: MA

Complaint narrative:
A credit card was reported stolen and then used without my knowledge. Certain circumstances did not allow me to follow up. The cc debt was sold to collection agency where they repeatedly contacted me at work, threatened me and tried to get me to provide personal information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've sent several requests for dispute via certified mail and the results come back as verified and accurate but bo proof of this has been provided by the credit bureau. Per the law; the credit bureau has an obligation to provide me with the information they have that states this is item that is on my personal file actually and factual belongs to me and they have not done that.

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 2019-08-19 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: MS

Complaint narrative:
The late payments reporting on the accounts XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting..

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 2019-08-19 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Equifax and XXXX did not provide evidence. CFPB step up and delete ALL XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) XXXX,  (Original Creditor: ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MO

Complaint narrative:
On XX/XX/XXXXthe Law Offices Of Mitchell reported a medical debt to my credit report that does not belong to me. This debt had already been disputed once with another debt collector and had been removed from my credit report, so the Law Offices of Mitchell must have bought out this debt.

I have not been to a medical facility in at least 10 years. I do not have any liability to anyone else, for any medical payments. This debt does Not Belong To Me. I have had to dispute under identify theft before, with the credit bureaus. In XX/XX/XXXXMy vehicle was broken into and my checks and ss card/ID was stolen along with all of my business equipment. At that time I had to change my bank account information and issue a new ID & SS Card. 

As stated before, this does not belong to me. I haven’t even received a bill to call and dispute, I have already taken it up with the credit reporting companies. This needs to be removed from my report, and not sold to other parties. I am in the process of buying a home, and this debt is hurting my loan which is already in the process of closing XX/XX/XXXX. These people need to figure it out, if they have a copy of the information provided they should share. I don’t believe it’s fair I have to keep disputing the same debt, and the original company- XXXX XXXX XXXX  Of Missouri and the debt collectors keep selling it to a new party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismayXXXX XXXX  and Transunion did not provide evidence. CFPB step up and delete ALL XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX, XXXX   (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) XXXX,  (Original Creditor: ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
A credit card was reported stolen and then used without my knowledge. Certain circumstances did not allow me to follow up. The cc debt was sold to collection agency where they repeatedly contacted me at work, threatened me and tried to get me to provide personal information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: TN

Complaint narrative:
Criminal record of XXXX XXXX  appearing on my credit report is an error. It is from XXXX of XXXX in XXXX  XXXX, Pennsylvania for XXXX XXXX XXXX. I am XXXX XXXX   XXXX. Also, please help remove incorrect address that is reported on my credit- XXXX XXXX XXXX XXXX   XXXX Pa XXXX. This is also in error and should.not appear on my.credit. I have seen these items reported by various companies hired by potential employers to run for employment purposes. ALL 3 major credit reporting bureaus. This is a critical and urgent barrier to my career, so please help expedite my complaint to have errors removed. Thank you!

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 2019-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Repeated calls three to 4 times a day, Harassing family members and threatening them fro personal information, as well as calling an office I am contracted with not employed and falsifying why they need to speak with me even after I have told this company to stop calling there and stop calling family members. It is against my company policy to get these calls. 

Credit company is called pioneer credit also goes by ph # 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 2019-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
On XX/XX/2019we attended Foreclosure Mediation at The OAH in XX/XX/XXXX, MD XX/XX/2103, in which the neutral judge told us that we should be allowed to submit the Borrowers Assistance Form so that we can seek the alternatives to foreclosure, the judge was aware of the Sale date being XX/XX/XXXX but yet instructed us/borrowers to fill the application for Loss Mitigation assistance. So we worked to quickly submitted the completed Loss mitigation Application to PHH onXX/XX/XXXX. Then PHH said that since the foreclosure sale date was less than 37 days away they are not willing to review the application.  I understand the PHH may be in their right to decide not to review that application but then what is the help being offered to us/client? We had already submitted an assistance application when dealing with  Ocwen , the previous mortgage servicer , and they did submit the paperwork requested by fax, but they told that Ocwen never received it after many attempts. We have not been receiving mail by PHH as we never received any notice that the house had a foreclosure sale date, until we were informed at the Foreclosure Mediation. We have income and are trying hard to earn extra income to help save our home. We would appreciate the opportunity to have the application reviewed for alternatives to foreclosure, as they have the power to allow a review of the application submitted. Thank you. Note :We can attached the Mediation files and the 3rd party authorization document if needed. Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I have reported to XXXX  that the same debit for a medical bill is being reported by two different collection agencies. The dispute was resolved that XXXX  took off one of the reporting agencies. I logged back in this month and notice yet again the same issue happened. Phoenix is reporting my medical bill from XXXX XXXX XXXX XXXX  but this is also being reported by XXXX. please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I deposited a check on Monday, XX/XX/XXXX.  It is a tellers check from XXXX XXXX XXXX for $XXXX.  Bank of America has put a hold on the check stating that it will not be available until Wednesday, XX/XX/XXXX.  That is a 9 day hold or a 7 business day hold.  That is a ridiculous amount of time, given that this is a teller's check from a local bank here in Virginia.  My husband left Bank of America for the exact same reason.  Maybe I will have to do the same.

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 2019-08-19 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery has failed to contact the XXXX police department to retrieve the police reports in regards to this fraudulent debt. Detective XXXX XXXX notified me that there are zero request from Portfolio Recovery for case #XXXX. It is their responsibility to obtain these police report documents! They continue to report this debt anyways to all 3 major credit bureaus as 100% complete and accurate under my name anyways which is a willful and direct violation under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CO

Complaint narrative:
Service provider: https://remitly.comService initiation Date : XX/XX/2019 Service Request: Transfer money to international accountPromised Delivery time: Immediately or within Hours  I have placed an international transfer with the remitly.com on XX/XX/2019, they have taken money form US bank account , but did not credited to international account till date XX/XX/2019.I have contracted more than 7 times to  customer service both email and Phone support, I haven't received any response in the email , but during phone support each time there will be a representative talking to me  and giving me different answers such as , money got sent to wrong account we are still investigating and we cannot give you when we will complete investigation and sometimes they promise me to call back but no followup after that.After all the conversation what I infer is either they are planing a scam holding my money hostage or something very bad happened  in their system that routed my money to wrong account.I have all the investigative and supporting  documents for my claim above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Hello,

This fraud took place between XX/XX/18to XX/XX/18.

The amounts total approx XXXX.

I filed a police report as per the bank's request.

Spoke with over 10 Citizens Bank reps over the phone, never get the same rep. Never received any reply from Citizens Bank.

I also sent the police report to the corporate office in XXXX, RI. And hand-delivered to the XXXX RI branch where the account was opened.

Please read below on how I arrived at filing a complaint with your firm.

What other resources do I have when my bank won't refund my money on a fraud case?

Had an ex-employee steal my business debit card and in the approx amount of  $19k  and he ran to Florida. 

My employee was working in my company while I was XXXX  for a violation in Rhode Island. He was NOT in charge of the bank account and had no concent to use my personal business account. 

I wrote a statement with the State Troopers and I feel because of my record they are not vigorously investigating my case. Then, went to my bank. 

Last I knew all victims have equal rights! 

Anyways, I have been back and forth with Citizens Bank in Rhode Island and even tho I have extenuating circumstance ( XXXX  ) and have all my paperwork showing I was XXXX XXXX during the time of this fraud they are now using the excuse I was over 60 days on reporting this fraud. 

I guess its a rule the bank has, fraud must be reported within 60 days. I never even knew about the fraud until I was XXXX My real question is, what can I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WESBANCO BANK, INC.
State: KY

Complaint narrative:
OnXX/XX/XXXX I purchased an automatically renewing, $XXXX   CD for my minor child from XXXX XXXX of XXXX Ky. On XX/XX/XXXX when I presented this CD document to WesBanco Bank , a successor in ownership of XXXX XXXX (which had been purchased by XXXX XXXX) to cash it, WesBanco told me they would not honor it since it was "too old" and they don't have any record of it. They said they only are obligated to keep records for 7 yrs. despite the auto renewal clause present on the face of the CD. I checked with the KY State Treasurer to see if it had escheated to the state and it has not. I believe this bank has violated its fiduciary duty to me and my son and if banks are permitted to take customer's money without contacting them or giving any kind of accounting to anyone then no citizen's funds are safe! I plan to contact both of my US Senators XXXX XXXX  and XXXX XXXX for their help in this issue also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have Called Equifax four times in the last 2 mths and Spoke with Reps, Concerning about 17 inquiries that I have no knowledge of nor have given anyone permission to run my credit. I have called and called and nothing happened.

Company response to consumer: Closed with explanation