vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
The company closed our accounts including 1 checking and 2 savings and we are not sure of what they did with the XXXX, XXXX and over XXXX dollars that were in the accounts. 2 were minor childrens acts. 

In The second situation, the acct was overdrawn by XXXX dollars for 8 months even though, primarily because of more than 5 overdraft fees sometimes in a day! 

We had our Dept of Treasury direct deposit of XXXX going into the account monthly from XX/XX/XXXX through XX/XX/XXXX with no progress. The account remained in an overdrawn status with 3 transactions coming in less than {$50.00} over this 8 month period. 

The bank acted as though they Never received ANY monies for our account and therefore kept charging the account unlawful fees. We feel this was retaliatory because we complained to the bank manager in late XX/XX/XXXX that {$200.00} was missing from the account and was taken over the counter on a day I could not leave home due to car trouble! 

When we presented the police reports and datelogs, XXXX responded that bank policy would allow fees to be stopped on the account and a credit applied. She never responded to our requests for assistance. In XX/XX/XXXX, we halted our direct deposit through the Dept of Treasury, less than 3 weeks later they closed our account. A total of 8 months later, still with no resolution. This was my minor childs account for 3 years. We have lost complete confidence in these two banks. 

PS. Until today, the first bank is still hiding my money in an invisible account, which I need because I am paying my Sons tuition out of pocket for now and a daughter I am preparing for college next year Thanks for your help. I pray Justice is Served! 

Thank you fo

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 2019-06-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: MD

Complaint narrative:
copies of documents attachment tax refund request XX/XX/2019 The reverse mortgage funding received my home owners tax credit from XXXX year end and I have made several attempts to contact them to request the error as ask for a refund in the amount of the {$2100.00} tax credit I have gotten my attorney involved communicating with them by sending a request for refund letter dated XX/XX/2019 and they have not provided a response since the attachment explains the detail regarding the refund request. currently they have ignored the request and have provided no response to date. I have previously discussed this matter with the RMF service representative and recently turned it over to legal for a resolution and have not received an explanation of why they are withholding the refund request. I have provided the contractual agreement surrounding the refund explaining that they are un-rightfully holding the homeowners tax credit that is due to me the homeowner according to life expectancy set aside amount of XXXX that they withheld from my home equity at closing they suppose to pay the property taxes and insurance as it becomes due to be paid. 


the

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 2019-06-14 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Accessed Equifax credit report and noticed error. Account on report I had never opened. I spoke to that bank and they had no record of me opening account. I filed a dispute on XX/XX/2019 and three days later XX/XX/2019, received an email stating that the dispute had been resolved and to access the results online and provided a link. I click the link and submit the required information and answer the follow up questions to verify my identity. A window pops up saying that my identity could not be verified and that I was to call their customer service number. I call and am told to submit a copy of my license and social security card, which they receive XX/XX/2019. I then receive a copy of my credit report and a new confirmation number for a credit report dispute submission in the mail. I call multiple times through the next few days to try to get access to my results as I am still unable to access the results online. On XX/XX/2019, I am told that the results will be mailed to me in 30 days. I feel like I am being stonewalled by the company for having filed the dispute as they constantly " require more information such as a license and social security card ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In a prior on phone conversation on a recorded line a rep told me the account was to be removed by XXXX of 2019. it is still showing on my credit report. PLease fix this.

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 2019-06-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
User Name : XXXX User name is no longer valid on the Experian website, tells me there is an error but this error seems to be ongoing 3 days later.

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 2019-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Every credit card that I have with Synchrony Bank has lowered my credit score because it closely monitors my accounts. If I am late by a day, the Bank automatically lowers my account balance and does not allow me to make any further purchases. Therefore, my credit score is lowered causing credits issues for me. I am being harassed and discriminated against!. I want my credit limits set back to what they were originally! However, this Bank only takes pleasure in hurting consumers not helping them! Synchrony Bank is a terrible company to have monitor your account.

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 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In a prior on phone conversation on a recorded line a rep told me the account was to be removed by XX/XX/2019. it is still showing on my credit report. PLease fix this.

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 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In a prior on phone conversation on a recorded line a rep told me the account was to be removed by XX/XX/2019. it is still showing on my credit report. PLease fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In a prior on phone conversation on a recorded line a rep told me the account was to be removed by XX/XX/2019. it is still showing on my credit report. PLease fix this.

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 2019-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
We have submitted numerous applications trying to save our home from foreclosure. 
The family has sent at least 20 applications giving all requested documents and hoping and praying each time that this is the time that we will get an approval. I have no idea why we have had to submit so many applications and strung along so many times believing that we were going to be helped we need our home for our small children to raise our family. 
Our combined income is {$100000.00} for 2018. We have saved money to pay our mortgage. We have been ready and willing to work with Rushmore Loan Management Services. For whatever reason they give us the run around for many years now. 
Please help us save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I set up payment plan with Portfolio Recovery Associates LLC in XX/XX/2019. When I spoke to someone at first they said that they report on your credit but on all my credit reports they were never listed. On XX/XX/XXXX I get notifications that a new line of credit was opened with a collection company. When I called they said I was looking at my credit report wrong and that paying the debt with them will actually help my credit when really it has hurt it drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a 15 year balloon-type mortgage on our home to which I would like to send self-directed biweekly payments electronically in order to pay my mortgage down more quickly than monthly payments. On advice of my CPA, I have always paid my mortgages on a biweekly basis on advice of my CPA. The banks to which I paid never refused to apply my payments on a biweekly basis. 
Wells Fargo states they informed us not prior to the day of closing that they DO NOT apply to principle anything less than 1 month 's full payment amount. Had I known this, I would NOT have proceeded with the Wells Fargo mortgage application in the first place. 

On XX/XX/XXXX, I received information which I have enclosed about an automatic payment program which can be set up either weekly, biweekly, or monthly. The purported benefit is that they in turn apply that extra 1 month payment yearly to your principle in order to pay it down quickly. In the print it states that they do not apply anything less than 1 month 's payment amount. So then, what is the benefit than to the consumer if they simply withdraw your funds either weekly or biweekly only to hold it in some escrow account until 1 month 's payment amount is accumulated? It is trickery on their part to disguise this payment plan as true biweekly amortization. It is not at all. I initially signed up for the automatic payment program until I re-read their document stating this sham of a biweekly payment policy. 
I have asked them on multiple occasions over the phone and in person at their XXXX branch as to why they refuse to apply my funds every two weeks. Their response is that they are unable to. This is not likely true. I can send in a credit card payment to my credit card company any number of times a month and it is applied to the principle. 
I could not back out of this loan at the day of closing, when it was disclosed to us that they do not apply any payment less than the full payment amount to my principle. We certainly could not back out on the closing at that point without getting into a legal entanglement with the sellers. 
I have my closing papers which are 26 pages long but can not upload them here. I can mail a copy via USPS if requested.

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 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: GA

Complaint narrative:
I feel like my life has been completely destroyed. Someone opened up a fraudulent credit card with DISCOVER in my name and accumulated all types of charges. I noticed the cards within my credit report in XX/XX/2018. I disputed the accounts and it was removed from my credit report after a thorough investigation. Now 4 months later the account has popped back up into my credit report from Discover Financial and dropped my credit score over 200 points. Ive disputed this account more than once and its been successfully removed and it continues to come back. I'm devastated right now. Contacting the FTC & CFPB was a last resort. PLEASE HELP ME GET THIS ISSUSE ALL CLEANED UP ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A.
State: LA

Complaint narrative:
I applied for this payday loan on or around XX/XX/2019 for the amount of {$800.00}. This amount was deposited on that date. The loan does have a two week term in which is to be paid in full within that time. I was not able to do that so renewal fees were assessed. I do not recall the rate of which these fees were calculated and am locked out of the account at this time so I am unable to see them or get other information. The following payments have been taken out of the XXXX checking account I had at the time. {$240.00} on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, & XX/XX/19. A total of {$1200.00}. I closed this checking account because I had taken out several of these in the middle of a XXXX  spree. I had no money left and no way to continue to pay these outrageous fees!! 
I have since acknowledged that I have a XXXX  problem and am in XXXX   and XXXX XXXX. I am getting help for this problem. 
I have contacted my loan manager, XXXX, several times as this is now in default. I have asked for a settlement of which he will not accept less than {$1000.00}!! Making me pay a total of {$2200.00} for a {$800.00} loan! 
I am asking that this debt be considered paid in full or a more reasonable settlement. 
These companies prey on people like me who look to this as a solution in complete insanity and desperation! These companies should not be able to get away with these outrageous fees!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: Conn's, Inc.
State: TX

Complaint narrative:
called company and spoke with a Supervisor regarding my credit report showing a late payment in XXXX 2017. This was during the time Harvey hit the gulf coast/XXXX  area and was advised a courtesy would be extended to making the payment. Still showing on credit report and was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I purchased a tv from Best Buy in XX/XX/XXXX. I was pressured to open a credit card to charge the purchase. Offering interest free payments on the card for 24 months and a {$100.00} credit to the store I accepted. In XX/XX/XXXX, two years after the original purchase date, and never using the card the account balance due was {$150.00}. The next statements balance due XX/XX/XXXX skyrocketed to {$810.00}. I was completely unaware the interest charged would be this high suddenly. I have called Citibank to try and resolve this issue with absolutely no solution offered. I have never been able to catch up from this substantial interest charge and still owe a balance on the account. My statement end balance for XX/XX/XXXX is {$810.00}. I have maintained minimum balance due of on average XXXX XXXX/month towards my balance for 19 months roughly equalling {$570.00} paid towards an initial {$150.00} balance due. The spiked interest charge is unreasonable and was never disclosed when opening my account.

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 2019-06-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
I took out a {$2000.00} Home Equity Loan with Wilmington Trust now M & T Bank around XXXX. I was paying {$400.00} per month UNTIL I lost my job of 20 years around XX/XX/XXXX. I was unable to make payments due to loss of job and being XXXX due to illness. I eventually won my Social Security XXXX case around XX/XX/XXXX to which I met with a Wilmington Trust official at their XXXX De branch and I brought the loan current according to their figures of {$16000.00} to which I have the original check that I am providing a copy of. Unbeknownst to me, Wilmington Trust filed a Default Judgement against me just 2 weeks later on XX/XX/XXXX for {$8500.00} to which I was not aware of until I tried to refinance my home mortgage with another lender in XXXX. I SUBSEQUENTLY PAID THE {$8500.00} TO REMOVE THE LIEN AND JUDGEMENT AGAINST ME ON XX/XX/XXXX. THERE SHOULD NOT HAVE BEEN A JUDGEMENT AGAINST ME WHEN I PAID THE {$16000.00} ACCORDING TO THE BANKS OFFICIAL FIGURES TO BRING THE LOAN CURRENT ON XX/XX/XXXX. WILMINGTON TRUST FILED THE JUDGEMENT AGAINST ME JUST 2 WEEKS AFTER I BROUGHT THE LOAN CURRENT ON XX/XX/XXXX, XXXX!!!!!!! I also completely paid off the loan through Chapter XXXX Bankruptcy Plan through XXXX XXXX XXXX TRUSTEE on XX/XX/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 monetary relief
Consumer complaint received 2019-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
called company and spoke with a Supervisor regarding my credit report showing a late payment in XX/XX/2017. This was during the time XXXX hit the gulf coast/XXXX area and was advised a courtesy would be extended to making the payment. Still showing on credit report and was not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: MD

Complaint narrative:
I have automatic payment set up through my checking account to pay my mortgage. PHH is supposed to take out my mortgage payment every month + {$200.00} extra to put on my principle. It is now XX/XX/19 and they have not taken out my XX/XX/19 payment. I have sent emails and no one has responded. I have called 2x and was put on hold for 1 hour each time just to be told they did not know why the auto payment was not taken out, and to call back later if it still was not taken out. I need a call from a manager from America immediately so I there is no miscommunication. I need this to be fixed ASAP, before PHH starts charging me late fee 's and it shows up on my credit report that I was late on my mortgage. This is utterly ridiculous, last month i sent a check in by the mail and they did not cash it for over 2 weeks. There is a total lack of accountability with this mortgage company. 

{$1500.00} supposed to be taken out XXXX of every month XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE NOTIFIED EXPERIAN NOT ONCE BUT SEVERAL TIMES ABOUT THIS SITUATION AND THEY CONTINUE TO IGNORE MY CLAIMS. 
THEY HAVE REMOVED ALL THE UNOATHORIZED INQUIES BUT HAVE KEPT THE ACCOUNTS, SINCE THEY REPLY THAT THEY DONT UNDERSTNA DMY COMPLAINT I WILL UPLOAD MY MAIL TO THEM ONE MORE TIME AND HOPE THAT THEY WORK AS PER FCRA IMMEDIATLY Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 Sec. 1341

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 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I set up payment plan with XXXX XXXX XXXX XXXX in XX/XX/2019. When I spoke to someone at first they said that they report on your credit but on all my credit reports they were never listed. On XX/XX/XXXX I get notifications that a new line of credit was opened with a collection company. When I called they said I was looking at my credit report wrong and that paying the debt with them will actually help my credit when really it has hurt it drastically.

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