vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Based on the selections, this best fit my issue, but not sure it was intended for issues with PMI. XX/XX/XXXX I applied for PMI removal. I never heard anything back from anyone so I called back at least 3 times, the third time was on XX/XX/XXXX and is when I asked to be escalated to a manager. The manager finally got the BPO ordered, and the appraiser came to my house on XX/XX/XXXX. I was told it would be a few days and I should hear something. I have not heard anything back as of today ( XX/XX/XXXX ) so I called back and was told nothing is on my account since the BPO was ordered. My house has way over 20 % equity and I have paid {$270.00} towards PMI since requesting for removal and there is not end in sight. This money should not have been paid, nor should I pay anymore going forward. Their ineptitude and inefficiency is costing me ( and I assume many others ) money and should not be allowed or tolerated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Rec 'd call from a Mr.XXXX twice now XXXX - approx 1 min. 
Tuesday XXXX XXXX - XXXX - Asking me to verify my birthdate - I explained I don't give out personal information over the phone - contact me by email. Identified himself as Mr.XXXX ( sp? ) with XXXX XXXX XXXX. 

XXXX - 1 min. 
Wednesday XXXX XXXX XXXX - Asked for my name/Acknowledged " XXXX ''... once again identified himself with XXXX XXXX - asked me to verify my birthdate - told him yesterday I don't give out personal information over the phone - asked again who he was with - he said CARE CREDIT - I said don't call me again - I'll contact you. Again identified himself as Mr.XXXX with XXXX XXXX XXXX. 

After my call to Synchrony Bank ( they represent CareCredit and recorded conversation ), they explained they would never contact me requesting this sort of information. I called to speak with the Fraud Dept. so they have record of this misrepresentation of their company and services by XXXX XXXX XXXX. 

I then researched and found this link, verifying there have been multiple violations by this company... and so, now I'm reporting it to you. 
XXXX XXXX XXXX I have since blocked those numbers on my cellphone. 
Thanks for your assistance and your important work. 

Best Regards, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
We have 3 student loans that have a balance of XXXX with Nelnet, these are simple interest loans at 7+ %. We have paid the loans and our next due is XX/XX/2020. We have set up automatic payments of XXXX each month to go to principal, as the P & I payment is not due until XX/XX/2020. Nelnet will not apply any of the payment amount to principal only interest. We should be able to direct additional payments out side of the payment schedule to principal,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I requested an international wire transfer of {$9000.00} from my account at PNC to a relative in XXXX. I presented the financial adviser at PNC with a detailed printout of instructions including the IBAN and Swift codes of both the intermediary and beneficiary bank as well as addresses and account numbers. The adviser assured me everything was input correctly. After a week of the other party not receiving the funds, I asked my branch if everything was ok. They told me to wait. After three more days, I told them to trace the funds. They were unable to get a response and told me to continue to wait. After another week of waiting, I was able to piece together that the Swift codes were transposed. I brought this to the attention of the branch manager only to learn that they had known this for a week and had tried to correct it without notifying me. However, the beneficiary bank will not respond to their trace/recall and I am being told they can not refund me the {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
ENHANCED RECOVERY COMPANY & XXXX I tried to dispute this with the company but they are making up things saying that i owned some equipment which i did not return. I am currently a customer of XXXX and I successfully closed my earlier account with them. Despite that, and being a loyal customers for years, these false debt collecting strategies are hurting my Credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I spoke with an agent at Capital One about my account that is showing two recent 30 day late payments and he told me that it's not late and i let him know that it has been reported to the credit bureaus and dropped my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 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: DE

Complaint narrative:
Incorrect information reporting on 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 2019-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Avadyne Health Holdings, Inc
State: MI

Complaint narrative:
They continue to call me, even though I'm already making automated debit payments monthly from my checking account.

Now they have started calling me at my place of employment. THEY ARE NOW HARASSING ME AT WORK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: GA

Complaint narrative:
I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I still see some things on there that are not mine. I've contacted the FTC and my local police. Please remove these items from my credit. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit. There are also inquiries : XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX   XXXX. Please remove these items from my credit.

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 2019-09-18 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: GA

Complaint narrative:
I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I still see some things on there that are not mine. I've contacted the FTC and my local police. Please remove these items from my credit. XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit. There are also inquiries : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Please remove these items from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Checked my credit report on XX/XX/2019 and Synchrony bank decreased my credit limit from {$2500.00} to {$1500.00} making my utilization 90 %. I owe {$1400.00} on the card currently.

I never missed a payment and always on time. This is negatively affecting my credit score.

I called them and asked them if they could raise it back to the original {$2500.00} limit, but they declined my request.

I am working towards buying a house so this will hurt me big time.

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 2019-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I sent dispute letters to the bureaus to verify the information, they came back verified without proof.

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 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
I keep getting calls and letters from ERC in XXXX, FL about a XXXX XXXX XXXX XXXX account. ERC contends that I owe a debt to them, but when I followed up with XXXX XXXX XXXX to verify the " bad debt '', XXXX XXXX XXXX has no record of the account. No acct #, nor any other pertinent information that i am entitled to as a consumer to dispute. If XXXX XXXX XXXX can not verify the debt than ERC can not verify the debt, and therefore according to the FCRA they are not allowed to harass me at anytime for a " debt '' that can not be verified. I work hard to maintain my credit stature, and will not let any unlawful company threaten me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
XXXX XXXX apartments in XXXX, Md sent our account for damages to an apartment directly to a debt collector. We received NO bill and had no chance to dispute or discuss any charges! 
The debt collector called me and threatened to ruin my credit and to pay my bill NOW! 
Move out date was XXXX XXXX. 
I was actually out of the apartment in XXXX because my roommates changed the locks and the apartment complex would not help me to get a key or my possessions! I called them several times and they told me to take them to court! Im a college student and dont have money for court! 
The collection agency is FMS Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX The apartment complex is XXXX XXXX Apartments XXXX, Md XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am asked to pay {$520.00} by I C system. I was with this XXXX who promised to work on my XXXX XXXX and also XXXX XXXX XXXX XXXX process. I paid all the amount till the services were provided. I donot owe any more money as my XXXX XXXX process was not done. I was wrongfully sent to collections and this is causing a lot of problems with my scores.

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 2019-09-18 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: DE

Complaint narrative:
Incorrect information reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Two credit accounts were opened fraudulently. Navy Federal Credit opened XX/XX/2017. XXXX XXXX XXXX installment account opened XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
THERE ARE MANY ON ALL THREE CREDIT REPORTING COMPANIES THAT ARE INCORRECT OR INQUIRIES THAT I MYSELF NEVER DID AND ALSO DIFFERENT CARDS STATING NOT PAID THAT I PAY OFF EVVVERY MONTH!!!!!

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 2019-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received a statement or invoice from a collection agency ( XXXX XXXX XXXX ) that they were trying to collect a debt from Huntington Bank for the amount of {$310.00}. I thought it was referring to my overdraft on my account especially when I looked at the dates and they were around the end of the month, XX/XX/XXXX. I thought that was rather swift to send my overdraft to collections before the month was even out. Just now I received a call from said collections agency referring to said debt. I was confused at first then upset because I believe things like this can destroy a person 's credit and I tend to think that they are disproportionately done to selected Groups of people. Do that keeps them paying higher interest rates or aid in denying them credit. 

Anyway I filed a claim a while back because for some reason they didn't close an account when I created a new account and when the following month came I had a balance of - {$5.00}. When I authorized them to transfer that amount to create a zero balance they decided to take {$320.00} instead because the next day there was a payment of {$300.00} that hit the account. After speaking with someone from the bank they they said they would correct the problem but the payment was already made. As a good faith effort the return some bank fees. Now here we are again and they are telling me I owe them money. Why does happen right when I apply for a loan for a car?? 

Maybe I'm not considered a good customer because I don't have thousands saved in the bank. 
I would be interested to know if this a common practice and do I need to get other agencies in to find out what is going on. All I know is that this can't continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
THERE ARE MANY ON ALL THREE CREDIT REPORTING COMPANIES THAT ARE INCORRECT OR INQUIRIES THAT I MYSELF NEVER DID AND ALSO DIFFERENT CARDS STATING NOT PAID THAT I PAY OFF EVVVERY MONTH!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
THERE ARE MANY ON ALL THREE CREDIT REPORTING COMPANIES THAT ARE INCORRECT OR INQUIRIES THAT I MYSELF NEVER DID AND ALSO DIFFERENT CARDS STATING NOT PAID THAT I PAY OFF EVVVERY MONTH!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Two credit accounts were opened fraudulently. XXXX XXXX XXXX opened XX/XX/2017. Bank of America installment account opened XX/XX/2017.

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 2019-09-18 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: CA

Complaint narrative:
I have disputed this debt with Portfolio Recovery Associates at least 3 to 4 times. It is not my debt. The customer service representative stated that the debt came back verified in their favor.

This debt was not removed from my credit report during any verification process.

Portfolio Recovery Associates keep sending me a bill that THEY said establish validity. A bill does not make it my debt.

They have not provided any documentation with my signature or a contract.

Because I am trying to remove incorrect entries and debt from my credit report, I called for a settlement amount in order to remove it from my report. I didn't think to file a complaint until during the CSR call. I advised the CSR that I would make a complaint.

This is not my account and this is not my debt.

I am attaching a copy of their verification documents they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit Collection Services of XXXX MA, has sent a notice of debt from a company I have never dealt with. The cable company does not even do business in my area. I have lived at the same address for over 20 years, so did not recently move leaving unpaid bills. The letter states that if I do not notify them that I dispute this erroneous bill, they will assume this debt is valid. Apparently this company is known for the practice of sending out claims to anyone with a similar name. I have notified them in writing by certified mail that the debt is not mine. ( The cost of a certified letter, return receipt is now {$6.00} ). Credit collection companies should not be allowed to shift their burden of locating debtors to the general public. Their inclusion of a payment slip and return envelope for payment is misleading and deceptive to those who may not recognize the claim for payment is bogus. The debt collection company should be required to send documentation proving the basis or validity of their claim with the letter. For example, if this is a cable bill, state the address where the service was received. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: NY

Complaint narrative:
Victim of identity theft.

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 2019-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am being cyber hacked/ attacked on all financial accounts and social media accounts.

My checking account is being breached through the financial accounts that have access to withdrawal Automatic Payments.

The money in my checking account is going missing and automatic payments are not being posted to accounts. Instead, all accounts are being manipulated with EXTREME fluctuating interest rates that are resulting in ridiculous FEES.

I have already reached out to the proper agencies and provide information on who may be causing there problems. 

My Bank of America checking account balance, according to a notification received today XX/XX/19 is - {$900.00}. Which is incorrect. I have reached out to the bank via telephone on various occasions to report this fraud. 

Since my last conversation with them, there should only have been 5 insufficient fund fees incurred ( each at a fee of {$35.00} ) which does not result in the account being overdrawn to - {$900.00}, since none of the payments were processed. 


I have written about my experience on XXXX. 
I have been unemployed for 17 months and this cyber hacker/stalker is also preventing me from finding employment.

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