vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We were in the process of selling our home and needed a payoff from XXXX to gear if it was feasible to be able to sell our home. I contacted XXXX in XX/XX/XXXX and was given a payoff of XXXX and asked them if there was any other debt assigned to the property and they said no, so we proceeded in selling our home. We received an offer in XX/XX/XXXX to sell our home of XXXX, and we accepted it. Closing was set for XX/XX/XXXX. My lawyer XXXX XXXX found that there was another lean on the property and immediately contacted XXXX for additional information. XXXX was less than cooperative to resolve the issue and did not resolve till closing date. Closing came and 1 hour into closing the sale of the property We were informed that we needed an additional XXXX for the sale of the property and if we did not pay it we may have a lawsuit or have to file bankruptcy. What had happened there was a non interest subordinate loan on the property from Hud and XXXX never disclosed it. This was set up by XXXX XXXX in XX/XX/XXXX from a modification. the loan was sold to XXXX and the modification was no longer disclosed by XXXX in any form. We would not have sold our house if we knew that loan was still outstanding. We ended up putting ourselves in deeper debt to close on the property. We were severely mislead by XXXX and there complete lack of service. XXXX responded and put the blame on XXXX. Now we are going back and forth who is responsible for servicing, and how do I know if this loan was paid off. The account that you are referring to within the complaint was not serviced by XXXX but was a Subordinate Note ( Partial Claim ) that originated on XX/XX/XXXX, with your prior loan servicer ( XXXX XXXX XXXX  ) in the amount of {$18000.00} ( see enclosed copy ). The documentation identifies that Housing and Urban Development ( HUD ) was the lender and payment shall be made to HUD or any such place the lender may designate, which was not XXXX. Our records reflect that the account XXXX is servicing was originated on XX/XX/XXXX, with XXXX XXXX XXXX in the amount of {$260000.00}. XXXX does not have any documentation that a payoff was requested in XX/XX/XXXX as asserted within the complaint. On XX/XX/XXXX, XXXX received your request for a payoff on the above referenced account. XXXX provided you a payoff on XX/XX/XXXX, for the loan were servicing, identifying {$220000.00} was due to satisfy the loan. As XXXX was not servicing the Subordinate Note we would not be the entity that would provide you directions to pay it off. On XX/XX/XXXX, XXXX received the payoff on the account we serviced and on XX/XX/XXXX a notice that the account was paid in full was sent to you. If you have any further questions, you may contact XXXX Customer Service Department toll-free at XXXX, Monday - Friday XXXX XXXX to XXXX XXXX., and Saturday XXXX XXXX to XXXX XXXX. CT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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:
Equifax Fail to follow Federal law and not notifying In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.in which i was not notify. that this account from XXXX was recent deleted from my credit report and now XXXX XXXX XXXX, pleace this same account back on my credit report i was not notify. also XXXX and XXXX card over and over stating verified after disputing over and over unacceptable by Equifax these company didnt provide contact with my signature as anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
Good afternoon. I am filing another complaint in regards to Suntrust Bank. Since the initial opening of the account, I had requested overdraft protection on the account, meaning : It will never result to a negative balance. After the first complaint, I had refilled the account back to positive. However, there are still continuous issues with the checking account. I do not ever seek for the account to result to a negative balance. Transactions are never declined, and it is a serious issue.

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 2018-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: FL

Complaint narrative:
Well they Loan me a XXXX dollar but in return I wouldve to paid XXXX back which I think thats way to much so I assume they trying to scam me ..and also the percentage rate is XXXX which really not adding up so I want help out of this Loan situation please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: AES/PHEAA
State: AL

Complaint narrative:
All of my loans are consolidated, and are under one account number. In addition, this item was not previously listed on my credit report, information was given to a Credit Repair Agency and after reviewing my report after given out to the information to the agency, a review of my account, now show this item. Please remove this item, I do not want to lose a contract that I have on some property. Thank you in advance for any consideration that can be given this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
I received a demand for payment from a company requesting payment in the amount of {$1500.00}. I have not ever received any services from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX XXXX is reporting on my credit report for account XXXX. I called over the phone after getting a letter from them requesting to settle in the amount of {$200.00}. I explained due to the significant financial hardship I am experiencing, I am unable to pay any amount at all due to my medical condition that I have been dealing with for quite some time. When I called I mentioned that even their website says they will suspend Collection activities when a consumer demonstrates that he or she is experiencing significant financial hardships due to medical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have contacted TransUnion, XXXX and XXXX serval times, online and via phone many times about the inquires, accounts, addresses, and phone numbers that I was not familiar with. Every time I get the same results and I am overcome with stress about the situation. It seems if I have been begging for credit and I have not. I trying to get approved for a loan and it makes it very difficult when they go to check my credit and I have inquiries from places I didn't inquire credit from. I have disputed and reached out to the bureaus several times and they tell me the same thing, every time. The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX The following accounts I'm not familiar with are XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX The following address are incorrect : XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX, XXXX XXXX XXXX , XXXX XXXX, Mo XXXX The following numbers are : 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 non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have contacted XXXX, Experian and XXXX serval times, online and via phone many times about the inquires, accounts, addresses, and phone numbers that I was not familiar with. Every time I get the same results and I am overcome with stress about the situation. It seems if I have been begging for credit and I have not. I trying to get approved for a loan and it makes it very difficult when they go to check my credit and I have inquiries from places I didn't inquire credit from. I have disputed and reached out to the bureaus several times and they tell me the same thing, every time. The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX The following accounts I'm not familiar with are XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The following address are incorrect : XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX, XXXX XXXX XXXX , XXXX XXXX, Mo XXXX The following numbers are : 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 2018-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK
State: CA

Complaint narrative:
XXXX XXXX froze my savings account without notifying me. I only discovered it after the ACH transfer for my rent was rejected, which caused me to incur a fee from my landlord. This is a widespread problem. Several customer service representatives said that XXXX XXXX is doing this to many accounts -- not just mine. 

The Fraud Department is unreachable. XXXX XXXX will not allow us to call the Fraud Department, and the Fraud Department does not respond to emails. They give several different explanations for the account freezes, including : ( 1 ) One representative claimed that they have a policy that all new accounts are frozen in the first 60 days, even though their account opening documents say no such thing. The opening documents only say that we can not CHANGE our one linked external account in the first 60 days -- they do not say that we can not withdraw money from our savings account, nor that we can not do ACH pulls from our account. ( 2 ) Another representative said that my linking of external accounts to the XXXX XXXX Savings account was the cause for the freeze, but XXXX XXXX didn't seem to mind that I used those linked accounts to DEPOSIT tens of thousands of dollars into my XXXX XXXX Savings account. They only flagged it for fraud when I later tried to access MY money by WITHDRAWING my rent payment. 

It is INEXCUSABLE that XXXX XXXX would freeze my account WITHOUT NOTIFYING ME. XXXX XXXX has my phone number, email address, and mailing address, but they never contacted me to tell me that my account was frozen. 

XXXX XXXX has seized our money, without justification, and will not release it.

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 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
i have sent fraud paperwork on this account and this company refuses to remove this account of my equifax and is holding up home loan process. i call them and they stated that i paid this account already, and its been closed, before XX/XX/2018, i have never spoke to this company before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX-over charged on account {$300.00} to {$400.00}! 

AARP CHASE BANK-over charged {$1900.00} for dentures I do not have in my mouth, nor in my possession, and Ihave not received cost-benefit/effectiveness!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My work sent me a payment on XX/XX/2018 however the payment has not been deposited into my account yet. The funds are showing as withdrawn on their end and I have provided all of this information to my bank. My work used the same information to send the payment as they have for the last two years, however suddenly Ally " can't find it '' and refuse to do anything to look into the situation despite being provided the proof showing that they took the withdrawal from my work 's bank.

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 2018-06-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My mother died on XX/XX/XXXX, and had what appears to be a predatory loan ( designed to fail ) with Wells Fargo Bank, which I thought was for a motor home purchased in XX/XX/XXXX, and would soon be paid in full. Even after providing Wells Fargo with my mothers Death Certificate, the Probate papers appointing me as the person of interest ( executor ) of her estate, and Durable Power of Attorney, Wells Fargo has been defiant at providing me copies of the complete loan papers, including moms signature and the Notary stamp/signature and dates. I have been requesting these papers since XX/XX/XXXX ; and Wells Fargo has promised them 1st on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, and lastly on XX/XX/XXXX -- - all of which have passed with no loan papers being provided. 
This loan was supposedly originated on XX/XX/XXXX in the amount of $ XXXX@ 8.75 % ( variable XXXX + the XXXX XXXX   Offered Rate thru-a maximum of 14.750 % ) interest and on a 30 year Home Equity Contract ( home assessed value in XX/XX/XXXX of : {$71000.00}, or 104 % of the home 's assessed value ). At the time, my mother was XXXX years old, and receiving Social Security and a small pension, totaling about $ 1500/mo. The loan payments ( {$680.00} per month ) equaled about 47 % of her monthly income, would have matured when she was XXXX yrs old. 
Through the Probate attorney, I acquired a copy of the Deed of Trust, and through that, it appears the loan : ( 1 ) originated on XX/XX/XXXX, and ( 2 ) Was signed, but not dated by my mom on page 18, and witness signature spaces are blank ; ( 3 ) Was Notarized on page 19 XX/XX/XXXX ; ( 4 ) The Variable Interest rider is on pages 20-22 ; ( 5 ) Mom signed again on page 23, but again not dated, and no witnesses.

( 6 ) A Rider titled : 1-4 Family Rider is on pages 25-26 of the Deed of Trust, with no signature or Notary following.

( 7 ) The Deed of Trust is dated XX/XX/XXXX at XXXX XXXX, and cites 26 pages. The Deed of Trust, in fact, is actually 29 pages long. ( The three additional pages are court documents placing liens on her property. ) ( 8 ) XXXX XXXX XXXX XXXX is listed on the Deed of Trust ( Escrow? ). 
( 9 ) XXXX XXXX XXXX, XXXX is listed as Trustee of the Loan After 12 years of payments on this supposed loan, my mother still owed {$62000.00}, and had paid approximately {$100000.00} on it, and was then XXXX years old ( with 18 years left on the contract ), when she passed away. There is no indication that she purchased, or paid for, anything near this amount in this time frame -- - she basically lived a paupers life ( I sent her groceries and supplies ). 
Please help or advise, XXXX XXXX XXXX ( for XXXX XXXX, dcd )

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 2018-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Dear CFPB staff : I paid the statement balance {$2600.00} on XX/XX/XXXX to my Citibank XXXX XXXX XXXX XXXX account. However, I received an email from Citicards that reduces my payment to {$210.00} on XX/XX/XXXX. My bank account shows that both charges of {$2600.00} and {$210.00} were post on XX/XX/XXXX. I called Citicard and asked why you reduce my payment without my authorization. They agree to refund {$210.00} to my bank account. 

I ask the Citicard customer service to stop this illegal practice to reduce customer payment and charge high interest for outstanding balance without customer permission. 

I report to CFPB to investigate how many customers are victiums of this illegal practice. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NV 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 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
They call repeatedly up to 6X a day even after I have made payment arrangements online through their online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I saw this company on my credit report Commonwealth financial they have two accounts with the same amount of debt in my report they are saying it's my debt but I was not at any hospital 2012 they keep doubling my credit reports never got any information from them regarding any debt owed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Purchased product online merchandise in XX/XX/2017 The product cost {$110.00} with recurring monthly fee of {$50.00} After receiving product it was discovered that it was illegal ( FCC regulations forbid use of such product ) Contacted BOA credit card whom refused to refund

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 2018-06-07 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:
All of my loans are consolidated, and are under one account number. In addition, this item was not previously listed on my credit report, information was given to a Credit Repair Agency and after reviewing my report after given out to the information to the agency, a review of my account, now show this item. Please remove this item, I do not want to lose a contract that I have on some property. Thank you in advance for any consideration that can be given this request.

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 2018-06-07 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:
All of my loans are consolidated, and are under one account number. In addition, this item was not previously listed on my credit report, information was given to a Credit Repair Agency and after reviewing my report after given out to the information to the agency, a review of my account, now show this item. Please remove this item, I do not want to lose a contract that I have on some property. Thank you in advance for any consideration that can be given this request.

Company response to consumer: Closed with non-monetary relief