vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
My VA mortgage servicing recently switched from XXXX XXXX to M & T Bank on XX/XX/XXXX. I have had zero issues with XXXX XXXX since my husband and I have had our mortgage serviced by them over the last few years. 

My husband passed away XX/XX/XXXX. The mortgage note at the bank was solely in his name, but I am a joint tenant with rights of survivorship on the warranty deed. After my husband 's death, I sent XXXX XXXX his death certificate, warranty deed, etc. They noted on the account my information so they could talk to me. My husband did not have a will or an estate, and I have continued to make the payments and have never been late or had any issues. 

I have placed at least 6-7 calls to M & T bank and have talked to one rude person after another. The first couple of times, they said they had none of the information from XXXX XXXX. So I called XXXX XXXX, and they said all the information was transferred. No one at M & T would even talk to me. Instead, they act like I'm committing a crime because I continue to pay my mortgage in my deceased husband 's name. Today, I talked to a supervisor named XXXX who accused me of changing the account to read " the estate of '' and his attitude and condescending nature made me so nervous. It feels like elder abuse when a client service rep tells a client they are " XXXX. '' I know I could have refinanced the loan, but I am on a fixed income and there was no benefit in my doing that. I know this situation isn't that common, but I got different answers from everyone I talked to. My husband died and I continue to pay my mortgage and all of my bills on time and instead of M & T bank treating me like a new potential customer, they treated me like dirt. I need someone at M & T with some correct legal knowledge of a widows rights in this situation. Clearly they have zero policies and procedures to reference this because I was told something different every time I called. One person told me I shouldn't be paying the loan and if I was claiming the interest on my taxes then I was breaking the law. How awful to scare someone like that when I was advised by an accountant and my estate lawyer. 

I know customers don't have a say in which bank services their mortgage, but clearly M & T can't handle the transition and have respect for new clients.

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 2019-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is showing on my report for debt owed in the amount {$370.00}. I have sent two letters ( XX/XX/2019 and XX/XX/2019) I have asked parties for validation of debt owe yet to receive showing that this account belongs to me. This information is negatively affected my credit worthiness. I would appreciate if this account is deleted and removed from my credit report.

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 2019-04-29 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT FOR THE MONTH OF XXXX, I HAVE IDENTIFIED INACCURATE ITEMS PLACED ON MY CREDIT FILE. THOSE NEGATIVE ITEMS DOES NOT BELONG TO ME AND IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT SCORE. PLEASE RE-INVESTIGATE THE ACCOUNTS.

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 2019-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I called Transunion on XX/XX/XXXX and they refused to grant me access to my credit report, they claimed that my account was accessed by another person other than I on XXXX. 

They said my online account will be banned for life. 

Both XXXX and XXXX have NEVER showed any unauthorized access on my account. 

Please advice. 

Thanks.

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 2019-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
IC Systems reported a {$350.00} collection account on my credit report. Prior to the appearance of this account, I did not receive a notice of my right to dispute.

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 2019-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I have disputed this account on several occasions. I have no knowledge of any of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: CT

Complaint narrative:
My Suntrust account is now closed and I need copies of statements from the month of XX/XX/2018 until time of closure, I do not have access to my online account as again, it is closed. I require these statements in a PDF file format in order to attach to a separate complaint against XXXX XXXX. XXXX XXXX stopped payment on a close out check in XXXX of 2018, which was deposited to my Suntrust account. A subsequent replacement check was sent and intercepted by a third party, cashed in my name without my conest or knowledge. The funds were stolen, XXXX XXXX refuses to reissue check for funds owed to me. These statements are required to show the intercepted check was not deposited into my account and is in fact overdrawn due to stop payment mentioned prior.

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 2019-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: LA

Complaint narrative:
Retrieval Masters Creditors Bureau , Inc. continues to send debt collection letters despite repeated letters form me which dispute the debt, request verification of the debt, and ask that the debt collector cease attempting to collect the debt until the debt has been verified. 

The debt is for XXXX, from an entity called " XXXX XXXX '' which seems to have billed us in error. We attempted to resolve the dispute with the original creditor but then began receiving letters from the aforementioned debt collector. 

We have written to the debt collector twice, first on XX/XX/XXXX, and then again on XX/XX/XXXX, stating that we dispute the debt, requesting verification of the debt, and asking that the creditor stop sending collection notices until the debt is verified with proof of an agreement to pay the original creditor, a copy of the account statement issued by the original creditor, a breakdown of the total amount due, and the date of and basis for each charge.

Retrieval Masters Creditors Bureau , Inc. has not responded to our letters, and has continued to send collection letters, the most recent dated XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: FL

Complaint narrative:
Equifax XXXX XXXX, XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 I have not authorized these companies to run nor check my credit and it has cost me too have my score drop tremendously, I need to have these removed immediately off my credit so I am able to move forward and looking forward towards purchasing a new home but I can't due to my score that is being affected because of these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Contacted by this company XX/XX/19 around XXXX concerning a debt in collections for around {$400.00}. I explained to the rep that I was paying all of my debt off in the order of least to greatest, I asked for her to send me an itemized bill. She said she could give it to me over the phone, I explained that I didn't have a pen/paper and would like it sent to me. She refused and got belligerent with me saying " You've already been advised over the phone! ". I told her that if she was not able to give me a paper copy of my bill, I would be reporting them to the XXXX and FTC. She again, got belligerent with me yelling " Turn me in for what?! '' I then asked for a supervisor since she obviously was having issues granting my simple request. I explained this all to the supervisor ; as well as, how I was having issues with my mail getting to me. I explained that I've had credit cards and important pieces of mail never received to my address. I stated my address to her again. She was able to see that I had bills returned back to their office. Seems like something simple that the first rep could've looked into, but instead I was degraded and yelled at. I do not want this company contacting me via the phone any longer and would like to dispute all charges they say I owe since they could not provide me a bill the first time I asked. They blatantly disrespected me ; when all I did was ask for a copy of the debt for my records, so I could pay all my stuff from least to greatest. I will also be turning them over to the XXXX   because of their poor practices. Thank you and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
Midfirst Bank came to my orientation at XXXX university. They offered a {$100.00} bonus if you open a bank account with them that day. I spoke with them after the presentation and gave the guy my application. He stated he would come back in a few hours to help me make my initial deposit and get me my bank card. The representative never returned and I had to go days later into the bank at XXXX to speak with the manager about why my application was not processed. He apologized several times and said he would make it right. He helped me get my card and stated I would receive more information via email or mail and I never did. I setup direct deposit and waited. They told me I would get the {$100.00} a week after and it never came. The lady on the phone said I would get the bonus, I would just need to wait 4 weeks. I waited and still no bonus. I called today and they are refusing to give me the bonus. I advised the manager when I went in to the office I told them I would NOT open this account if I could no longer get this bonus. He clarified several times he would take care of me and not to worry. 

I called today and spoke with someone at the branch, he said he spoke to the manager and he said he would not honor it. I advised again he promised me when I went into the branch originally I would get the {$100.00} bonus that was advertised at the orientation.

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 2019-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Please refer to attached document. 

XXXX ( XXXX XXXX XXXXXXXX ) failed to disclose a {$49.00} fee when I made a reservation online and only disclosed " FLEXIBLE CANCELABLE. '' When I subsequently decided to change plans and cancel only then they disclosed the {$49.00} fee. They refused to refund the fee. This is a violation of federal requirement of requiring full disclosure ( 1001.1101 Failure to disclose certain information. ) I then disputed this to Capital One ( https : //www.capitalone.com ), the credit card which I used for payment. They ignored my claim of XXXX full disclosure violations 1001.1101, and  insisted that I contact the merchant for the {$49.00} and declaring the dispute closed!!!! 

I then sent them the attached letter fully describing the situation and explaining that my dispute is now completely with Capital One for failing to represent my SPECIFIC claims properly to the merchant for response and resolution and for failing in enforcing my federal credit rights. 

I cut up my credit card and enclosed it in the envelop with the XX/XX/2018 letter and describing that I am leaving the {$49.00} charge unpaid because of Capital One illegal actions. 

ALL subsequent Capital One communications with me have been over the {$49.00}, adding late fees, interest and penalties and have sent the dispute now to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have My Employer is XXXX XXXX XXXX. The following Employers are not mine please remove/delete them they are not accurate : XXXX  XXXX  XXXX  DO NOT CALL XXXX XX/XX/2012 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a few unknown accounts : XXXX   XXXX  XXXX # XXXX, XXXX XXXX   XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On the XX/XX/XXXX my account with paypal was put on limitation from the comptroller 's office of texas, my business owed them money. We paid the debt to the comptroller 's office and on the XX/XX/XXXX the comptroller of texas sent paypal a fax to release my hold. Two weeks and no word from paypal, no confirmation they received said fax ; limitation is still placed on account money can not be withdrawn or spent. 

Legally they do not have the right to keep the hold on the account. They do not communicate to me, their customer, on the case. Every contact I have had with them either by online chat and phone calls, they give me phone numbers to the comptroller 's office telling me they are the ones that have control to lift the limitation. 

Paypal does not connect me to their legal department of which they say once they get the paperwork from the comptroller 's office to release the limitation. Since comptroller office say they already sent it the ball is in Paypal court and yet they refuse to give me legal department in paypal nor let the legal department be informed they need to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I applied for a line of credit at XXXX XXXX for services. I only intended to spend around {$400.00} dollars, but the company pre-approved me for {$7000.00} and ended up receiving around {$1500.00} in services. The credit was through XXXX XXXX. When I received my first statement, XXXX tried to collect over {$5300.00} from me. 

It turned out XXXX XXXX submitted charges for services never received for commission purposes. It took months to get my account corrected. I also filed a complaint with the MO Attorney General 's office and the XXXX  because the agreement I signed was NOT for {$5300.00}, but the {$1500.00} I actually spent. That means they copied my signature to another contract ILLEGALLY! After communication between those parties, I was advised that my bill would be corrected. Additionally, they agreed to removing the promotional financing and allow me to pay my bill at my leisure ; as long as I never missed a minimum, required payment. Which I never did. 

When my bill was down at {$300.00}, they tacked on promotional interest based on the initial, fraudulent, $ 5300+ bill! Again, I contacted them alerting them to the error and reminded them of the previous agreement. Instead, they only adjusted the amount of the promo interest to $ 500+. Again, I called to remind them that I was not subject to the promo interest based on the original agreement. They plead NOLO. The paperwork they provided to verify I owed this money was the fraudulent contract showing I owed $ 5000+. 

My portion of the charges are likely paid in full and my min. payments are going towards promo interest I should not be paying. I just want them to honor the original resolution to the shady business they pulled! I guarantee you I am NOT the only one this happened to. I understand that the Manager and the Sales person were fired due to my situation at the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
a scam company is trying to assign a debit to me. they called and sent a collection letter.. when researched.. i found several scam listings and mail fraud listings that was similar to what i experienced ... i checked my credit report and no collections have been sent.. they info int he letter is inaccurate and false. for instance check # 's, accounts and other info that would validate any transaction. the company is calling themselves : " XXXX XXXX XXXX XXXX, XXXX '' and claiming the creditor is : XXXX XXXX XXXX, XXXX and claiming the original debit was obtained thru XXXX XXXX on XX/XX/2019, the same day they called me trying to obtain information from me over the phone. I have not done any business with XXXX in many years.. all of which was paid in full using a my back debit card.. never a check ... they said the check number was # XXXX the amount was for {$18.00} and i owed that and a returned check fee of {$25.00} for a total of {$43.00} .. 

after spending time researching.. i have found other individuals claiming the same thing and that they was committing mail fraud. i contacted my state attorneys office.. and she said i could file a claim here or possibly at my local police department.

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 2019-04-29 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT FOR THE MONTH OF XXXX, I HAVE IDENTIFIED INACCURATE ITEMS PLACED ON MY CREDIT FILE. THOSE NEGATIVE ITEMS DOES NOT BELONG TO ME AND IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT SCORE. PLEASE RE-INVESTIGATE THE ACCOUNTS.

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 2019-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I was informed that i had not made my XXXX Payment. I have made the payment, the Money has been taken out of my account and i have email confirmation stating i had made the payment. I Know my balance was then XXXX. I call in today and they tell me my loan is XXXX 

After i give them the information saying that i paid they hang up the phone or transfer me to the main menu. 
I Only owe XXXX. And i have proof that TD Bank has taken my money but they keep saying they do not have the {$200.00} Payment made on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
Hello, I have my land mortgage in Texas with XXXX XXXX   XXXX company. 
This is a variable rate mortgage, so the interest rate changes from time to time. 
This situation has now happened for a second time, where by I have send the payment for the amount before interest rate change on time to the bank. What the bank does is cash my check, then return and issue a new check from the bank back to me and send it a letter saying that the amount send was not exactly as the new payment. I also then receive another letter saying that I was delinquent on my last payment and have been charged a late fee plus interest rate. 
I find this outrageous that a bank can actually do this? 

Please look into this issue and see what can be done to remedy the issue? 

Thank you ... 

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