vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I made a payment via the internet to my American Express account through Bank Acct A. I realized there were not the required funds in Bank Account A so I wanted to switch the payment to Bank Account B. American Express would not allow me to do that and as a result the payment did not go through. I called on the phone and made the payment in full with Bank Account B but AMEX still insisted on not canceling the payment to Bank Account A even though I made the Payment with Bank Account B. They stated numerous times it had to be submitted 3 times then they would cancel the payment. This is an unacceptable business practice and most likely illegal.

The result is 3 returned payment requests and 3 NSF Fees to Bank account A.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-03 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: AL

Complaint narrative:
1. XXXX XXXX XXXX : disputing information on credit report since XX/XX/XXXX to present ; car loan was paid off by my insurance due to being totaled in a car accident in XX/XX/XXXX. They are reporting to the bureaus that the loan was a charge off and balance not paid in full. Disputed claim with no information of findings. 

2. XXXX XXXX XXXX XXXX XXXX : reported to bureaus and the company that the mortgage loan was not included in my bankruptcy case. Reafffirmation documents were sent to XXXX in XX/XX/XXXX and this month of XXXX. No change on credit reports has been submitted. 

3. XXXX  XXXX XXXX : company is reporting that I was 120 days past due in XX/XX/XXXX and and XX/XX/XXXX, I contacted the company and was told that I didn't have a loan on file. My loans were sold and consolidated in XX/XX/XXXX and I have been making payments to XXXX XXXX XXXX since then and am in good standing.

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 2018-08-03 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: AL

Complaint narrative:
1. XXXX XXXX XXXX : disputing information on credit report since XX/XX/XXXX to present ; car loan was paid off by my insurance due to being totaled in a car accident in XX/XX/XXXX. They are reporting to the bureaus that the loan was a charge off and balance not paid in full. Disputed claim with no information of findings. 

2. XXXX XXXX XXXX XXXX XXXX : reported to bureaus and the company that the mortgage loan was not included in my bankruptcy case. Reafffirmation documents were sent to XXXX in XX/XX/XXXX and this month of XX/XX/XXXX. No change on credit reports has been submitted. 

3. XXXX  XXXX XXXX : company is reporting that I was 120 days past due in XX/XX/XXXX and and XX/XX/XXXX, I contacted the company and was told that I didn't have a loan on file. My loans were sold and consolidated in XX/XX/XXXX and I have been making payments to XXXX XXXX XXXX since then and am in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a check for {$2500.00}. on XX/XX/XXXX. The funds were withdrawn from the checking account of the payee on XX/XX/XXXX @ XXXX. Chase Bank would not release the funds they withdrew for my availability until XX/XX/XXXX. I called to get these funds released and was told they had to do this manually and they could not give me MY money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I've been off from work with and work injury to my arm since XX/XX/2018. 
I've requested a mortgage modification because I'm unable to work. 
I don't want to loose my home. Also documents from my mortgage company show XXXX XXXX name. We are divorced and she signed a Quit claim deed to be removed from the deed. XXXX XXXX is still reflecting her on the deed. She was never on the note and the loan was acquired in my name. Also I received notice of service transfer from Regions stating the new servicer and the new servicer would not be recorded. Please record the deed and record all papers pertaining to my mortgage

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 2018-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Recovery, LLC (Closed)
State: MA

Complaint narrative:
This debt is showing on my credit report and I have no knowledge of it. I am a XXXX  and also suffers from XXXX XXXX XXXX and have been covered by XXXX. I do not owe this debt nor have I gotten any documentation pertaining to this debt.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I am noticing this debt on my credit report in which I have no knowledge of. I never received any notices but to my surprise it is showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I made two extra payments of {$100.00} on XX/XX/18 and XX/XX/18 to my Navient loan ending in XXXX. I did not have any required payments during these two months, and was trying to lower my principal balance.

I have instructed Navient many, many times to apply any extra payments to my principal. Even when

Navient was Sallie Mae, I sent numerous emails and letters instructing them to apply any over payment to principal. Both those payments resulted in being applied to unpaid interest and my balance did not decrease over that two month span. When I have a few extra dollars I ALWAYS use them to pay my student loan balances down. This is not my first complaint about Navient. They have applied my payments incorrectly multiple times and I have complained to them in the past. There have been no changes to their practices. I have had this loan for 10 years now and my current balance is still not below the amount I borrowed, which is absolutely infuriating and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: Financial Credit Service, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my wife received a phone call ( on her personal cell phone-my name isn't on it ) from ARA regarding a XXXX credit card from the XX/XX/XXXX 's they are claiming I am responsible for paying. They told my wife that because the interest was still accruing the card was still active, even though I had made no payments in well over the 4 years covered by the statue of limitations. They threatened to jeopardize our cars and her credit cards just because I am a authorized user. They also claimed they were about to file with the XXXX XXXX courts. 
I sent this company a request for validation letter in XX/XX/XXXX, and no response was received. This company tries to collect every time we move. They told my wife that because now we have plenty of money we should pay this. 
They also told my wife she should not be angry because they called her, because " you married the man ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have tried multiple times the past year to close my account with US bank. I originally created an account so that our mortgage rates through them would be cheaper. This was back in XX/XX/2017. I was told that after this, and all our closing funds were in the account and closing and the closing was completed ( in XX/XX/2017 ) that I could close the account. 
Immediately after the closing, I had {$100.00} in my account. I was told to wait for the notice that the closing was completed and I could close the account. In XX/XX/2017, I received a bill because I had less than {$10000.00} in my account. I called and was told they would cut the fee back and I could close the account. The next month, XX/XX/XXXX, I receive another bill. I called and complained and so on and so forth every month ever since. 
I had gone in the close the account in XX/XX/2017. The bank refused to close the account because they had continued to bill me and I was told Id have to pay {$120.00} in their fees to have the account closed. This was not a fee for closing the account, but because I had been under {$10000.00} since after our XX/XX/XXXX closing in the account. 
Theyve taken {$100.00} that was left in the account and have been trying to add to the bill every month. 
This month, today, I sent a letter informing them, as I have over the phone in XX/XX/2017, that I was CLOSING THE ACCOUNT. I refuse to pay this bill as I was never notified about being charged for my account being less than {$10000.00} initially when the account was opened. 
Ive called and spoken with the managers of branches and all in between. 
I will not pay them a dime. They have {$100.00} of my money and keep trying to charge me more.

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 2018-08-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I currently bank with XXXX and receive periodic credit updates through them and Experian. On the morning of XX/XX/XXXX, I checked my credit and saw that it had changed as follows : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX I froze my credit with all three major credit monitoring companies in XX/XX/XXXX and have not unfrozen it since then. Furthermore, I have stayed current on all of my outstanding debts. In short, nothing has changed from what I can tell. I received a free credit report from Experian and it shows everything I have as being current. 

After a fair bit of work, I was able to speak to a representative at Experian and asked them if they can explain why they had dropped my score by 89 points and then raised it by 30 points. The representative was unable to explain it despite acknowledging that Experian owns and operates the algorithm by which credit scores are calculated. He then suggested I speak to a credit advisor to help me interpret my credit report to find out what caused my credit score to drop so much so quickly.

I do not understand how a credit monitoring agency can own and operate an algorithm to provide a credit score that enables people to operate in the modern financial world, but not be required to explain how and why that score may or may not have changed.

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 2018-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX and XXXX XXXX We started a short sale on XX/XX/18 and faxed our authorization to PNC. We have sent our authorization in multiple times since then, yet PNCs front end seems to have no access to the authorizations on file. They not only refuses to speak to us, but refuses to transfer us to someone that can speak to us.

This has been a trend with PNC over the last year on ALL our short sales they dont upload the authorizations so their front end can see them, then they refuse to speak to us on the short sales that we are CLEARLY authorized to speak on.

In addition PNC is REFUSING TO SEND US A PAYOFF DEMAND.

These are both violations of servicing guidelines and this needs to stop NOW. I want our authorization uploaded appropriately and I want a Payoff Demand with NO FURTHER DELAYS OR EXCUSES.

WHY is PNC being allowed to violate servicing guidelines??? WHEN is this going to STOP???!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
After losing my job in early 2010 to the downturn in the XXXX  industry. It took me years to find good work and I did all I could do to take care of my family. Today we have fixed are problems my wife get her SSI and contribute that to the household and the only way I could get a good income was to start my own company. After a few years of startup expenses. I now have stable income to pay for my family Home and bills. We are asking for a modification payment with tax and ins we can afford that will let us keep are family home I know Rushmore did offer to put us in a repayment plan that we can not afford XXXX down and {$2300.00} a month for 12 months just to catch up and still not have a modification they say will deal with that then.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MA

Complaint narrative:
On my credit report this debt is showing as opened on XX/XX/2018. I do not owe this debt nor have I ever received any documentation regarding this debt.

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 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern I XXXX XXXX submitted some accurate documentation to the Credit Bureaus are continuing to report inaccurate information to my credit profile.I have two account that are being reported as late and I've never been late on any of my account. I will up load documents to support the above statements. These account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I did my dispute with the credit bureaus for one late that was reporting on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the bureaus went into my credit profile and reported additional inaccurate fraudulent activities on my credit profile.

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 2018-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
I received an alert from XXXX XXXX that there was a debt in collections listed on my report. When I checked it out, it said I owed money to Diversified Consultants in the amount of {$1200.00}. I have no knowledge of this debt, have never done business of any kind with Diversified Consultants, and am requesting this be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently I had {$3000.00} medical.debt added to.my Experian credit Report. This debt does not belong to me. I've reached out to the company several times to try and have this debt removed and requested validation of debt from them with no success. Ice files reports with the FTC as well as an affidavit with the IRS for several other debts I had to have removed bc of this. I am requesting that Experian have this debt removed from.my credit report immediately. This is my 2nd attempt with contacting Experian to have it done and I have not gotten a response. Your attention to this matter is greatly appreciated. XXXX has already investigated this matter and has had it 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 2018-08-03 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: CA

Complaint narrative:
I have disputed a department of veteran affairs account with Experian about inaccurate balance and improper payment status and they have consistently refused to update and/or remove this account. The original balance on my experian credit report states {$910.00}. The actual original balance was {$41.00}. This account was paid in full in XX/XX/XXXX yet experian gave me a negative payment status in XXXX of XXXX. I have contacted the Department of Veteran Affairs Debt Management Center and have verified this information and have received a letter stating these inaccuracies yet this account has never been corrected.

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 2018-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I've attempted more than 5 times to submit a dispute online with XXXX at their website : XXXX XXXX XXXX and everytime it states that the information that I entered does not match their records. I was able to successfully submit dispute with XXXX  and XXXX in regards to the same account ; Portfolio Recovery Associates for amount of {$600.00} opened XX/XX/XXXX. Investigation has been conducted and found in my favor that I did not own this account. However, online is impossible to submit dispute with XXXX and today XX/XX/XXXX I have been calling all day to the number : XXXX and XXXX and every representative states that their undergoing system updates and can not assess anyone 's account to call in 30 minutes and this has been going on since XXXX this XXXX XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We wish to file a formal complaint against Wells Fargo Bank / Mortgage ( WFB ) for misleading statements made on our recent purchase of an investment property. The statement in question is the requirement to carry Private Mortgage Insurance ( PMI ) when our equity exceeded 80 % Loan-to-Value. 

XX/XX/2018 Confirmation that PMI would drop off when 80 % LTV is met XX/XX/2018 Closed on the property with 15 % down with intention to pay off 20 % asap XX/XX/2018 XX/XX/2018 Paid additional principal to eliminate PMI XX/XX/2018 Called WFB to confirm amount to eliminate PMI and was informed that it was now 30 %. and not 20 % anymore and that we should have put down 20 % a closing. As you can see from our correspondence we were very specific to this requirement and were assured multiple times that PMI would drop when we reached 20 % LTV. 

Sometime in XXXX, WFB gave us an option to get our property appraised at a {$200.00} fee that could potentially help eliminate PMI. We paid {$200.00} for inspector to come out and now the price dropped down to 82.7 % LTV - $ XXXX investment and appraisal is lower than with any improvements? 
. 
We have spent {$40000.00} updating property to ensure it was in the best shape possible to be able to attract renters. After that investment we are not in a financial position to pay 30 % but would have been able to had we been told this before we closed. We kept being told that LTV was 20 % despite our multiple requests.

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 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion tricked me into purchasing a monthly credit reporting subscription. Upon going to their website, TransUnion automatically directs you to a site that is marketing their monthly subscription. I know I am not the first consumer to complain about this. The only thing that is advertised on the page is " Get Your Credit Score. '' Written in tiny print at the very bottom ( WHERE YOU MUST SCROLL DOWN TO SEE ) is that it will charge XXXX per month. The problem I have with this is that it is the only place in the whole process that says you will be charged. Later on, in the process of getting your score, it says " Please Provide a credit card that is linked to your score, '' with the intent that they need a score to verify that my credit score actually belongs to me. Unbeknownst, they charged me for a monthly subscription. TransUnion is one of 3 free credit reports, and it is absolute XXXX that they are tricking customers into paying for a free score. After reading up, I realized that TransUnion has been caught conducting shady acts likes this before. If TransUnion does not reimburse the full amount, I will file a dispute with my credit card company. XX/XX/XXXX18.

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