vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: SUMMIT FUNDING, INC.
State: TX

Complaint narrative:
XX/XX/2017, I bought a house in XXXX, TX. I used Summit Funding as my lender. They failed to evaluate property tax correctly and therefore our monthly payment is $ XXXX more than projected. The previous owner was a senior, over 65 and therefore had a " senior exemption ''. I'm in my mid XXXX, it is obvious that I will not qualified for the same exemption. Summit Funding failed to calculate this and projected escrow to be a lot lower than it's supposed to be. This incompetency seems to be calculated to enticed the buyer into accepting the deal because of a lower monthly payment. 

I understand that the perfect final amount is not possible to calculate at time of closing. However, off by {$250.00} a month, over {$3000.00} a year in property tax is very significant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Inaccurate items on 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 non-monetary relief
Consumer complaint received 2020-01-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We where given 2 financial deferments in a course of one year for XXXX and XX/XX/XXXX these payments where to be put on the back end of the loan. After 29 calls I spoke to a representative in collecting department of XXXX XXXX  I was then granted another deferment for XXXX and XX/XX/XXXX because the representative she had discovered that the XXXX payment had been paid and that there was extra funds on the account because it was over paid from a previous month. So now there are 2 signed deferments all along we are not paying because due to the deferments. Doing the course of our loan XXXX XXXX reported 5 payments walked in to the bank and paid for {$1700.00}, {$1700.00}, {$560.00}. {$1700.00}, {$560.00} that equaled {$5700.00} and that was also reported to the credit bureau this payment would equal 10 full payments. My Husband took ill an I was working out of town and he was not allowed to make payment to the bank without my drivers licenses or ID so we paid in lump sums. we was told we was still behind so we ask for a deferment to catch up we made our first payment XX/XX/XXXX XXXX was our fist payment of {$560.00} missed XXXX he was not allowed to make payment in bank for me we also missed XXXX {$560.00} XXXX was missed the bank card used was not allowing payments once we found that out we paid {$1700.00} in XXXX XXXX to cover past due XXXX was missed we thought we paid enough to cover payment. XX/XX/XXXX we paid {$560.00} XXXX we paid {$1700.00} and XXXX we paid {$1700.00} this would bring the balance to {$5700.00} XXXX XXXX  granted the deferment our next payment was to be made in XX/XX/XXXX when we went to pay on the account we discovered that the account had been locked and that they had reported that our last payment was made in XX/XX/XXXX the Charged the account off is XXXX the never contacted us by mail or phone. we have still not heard from this company we have filed several complaint and would I need answers and Feed back on all complaint we have tried refinancing the truck to be told that they are unable to assist us we have had Attorneys to contact them financial company and etc. no letters no calls no response but they are reporting on my credit as 2 different banks XXXX and XXXX the only response I get is when I file a complaint with CPFCP they are committing credit fraud and this loan need to be removed ASAP off my credit and I would like a call or a letter explaining to me about what happen to my loan.

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 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I have 2 credit card account with CITI. The limits were cut on both cards ; one from {$15000.00} to {$300.00} and the other from {$10000.00} to {$5000.00}. I called customer service to find out why they took this action and was told it was because I had a late payment on a non-CITI account. This late payment was an error and I was already in the dispute process. I escalated this complaint with the corporate office and they agreed to re-evaluate my account. I later received a response informing me that they were " unable '' to reinstate my credit line but instead gave a different reason for their decision ( that I was carrying too much debt across my other credit lines ). My debt level has not been an issue in the past and has also not been a factor with CITI in the past. Based on my payment history, I have had no issues maintaining my payments and by balance often go up and down depending on my spending needs. I find this an unfair practice by CITI and I am appalled that this company would treat not only a long term customer with a perfect payment history but a member of the armed forces with about as stable an income source as one can get.

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 2020-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Southwest Credit Systems is reporting on my credit report a debt I never knew I owed. I never received any notices giving me the opportunity to dispute the validity of the debt, which is required by law before inputting a collection on my credit report. They have reported 2 different accounts on my credit report in XX/XX/2019, without giving me the opportunity to dispute. I'm suppose to have 30 days to dispute the validity of the debt and I check my credit report and see that they are reporting the collection on my report which is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: U.S. BANCORP
State: FL

Complaint narrative:
I pulled my credit report on XX/XX/XXXX and notice account that was not mine. On XX/XX/XXXX US Bank representative opened up a credit card in the amount of {$420.00} without my consent. I contact US Bank see attached letter. I have called the bank several times, they said they are investigating, NO ANSWER

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 2020-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have seen collection on my XXXX credit report and I have called the company to figure out what is it and why it is on my report as I have not received any kind of service which collection describes. Collection company have false information ( might be because of the same last name ). I have tried disputing with XXXX but I doesn't allow me to do it online and I have tried calling it many times but not getting any response from them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
For over 9 years now Diaz and Associates in XXXX Ca. has continued to insist that I owe monies from unsecured credit card debt that is clearly time-barred and in violation of FDCPA, FCRA, California civil code 337 and other various federal laws pertaining to debt collection and protection of the consumer. As a result, I have had court issues and financial hardships from this company that engages in predatory collection practices and deceit to gain financially I have reached out to them over the years to show me the proof of the original debt, to which they have not. I have demanded that they do not contact me, to which they do. They attempt to use trickery in order to renew the debt to which I dont, but yet they continue as they know full well that the stated debt in attached to my name is uncollectable. Diaz and Associates, then recruited a law firm under false pretenses in order to collect this debt. They are a fraudulent company that ignores fair and legal collection practices, the law and, case law to in rich themselves. They use harassing tactics to pressure the consumer and uses unethical practices in order to pray on uneducated, ill-informed consumers. As a result, I have filed a complaint with the state Attorney Generals Office, as well as Consumer Financial Protection Bureau. 

As I read the multitude of complaints on file, they will respond that they know the stated laws above but yet they continue. This needs to stop immediately and the XXXX needs to respond to their ongoing hostile practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
A few years ago I made a complaint to The CFPB and Attorney General Office, Police about XXXX a cell phone company, And another collection agency. XXXX found out the charges of {$3800.00} was fraudulent and that I did not open any account. XXXX Deleted the Fraudulent debit from my credit file. and gave an apology for all the inconvenience it cost me to clear my name I checked my Credit tonight and a collection company ENHANCED RECOVERY has the same XXXX debit that was deleted years ago. on my credit report WITH BRAND NEW DATES like it had just been open. And this issue was closed and deleted a few years ago. it took months to clear my name. I want this Taken back off my Credit report at XXXX. and they allowed for this to be placed knowing full well it was removed. because of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD

Complaint narrative:
I was trying to make apply for credit to make a large purchase and was denied due to a collection from Wakefield & Associates reporting on my credit report. I was unaware of this debt until I applied for credit, was denied, which I then went to pull my credit report and saw a collection that I was unaware of. I never received any communication regarding this debt from Wakefield & Associates nor the original company that owns the debt. I don't even know who the original company is that owns the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: AZ

Complaint narrative:
To whom it may concern : I recently ( XXXX ), contacted PRMG loan ( Paramount residential mortgage group, XXXX XXXX XXXX, ( XXXX ) XXXX XXXX OH XXXX ) about a cash out refinance on my home located in XXXX Closing date was set for XXXX, I filled out the necessary paperwork and signed dated and returned it to there office via email. I was then told by XXXX XXXX-loan officer email XXXX that an appraisal and an engineer to provide an engineering certification would be ordered at my cost ( nearly {$1000.00} USD ). I proceeded to pay both fees and the appraisal, which came in above and beyond the required amount, and also paid the fee to the engineering firm which also came in as satisfactory. After further investigation by PRMG loan, they said I was not going to be approved for the loan. At that time, we had a conference call with XXXX, myself and XXXX XXXX-branch manager ( same address as XXXX XXXX, and supposedly they had a company that could help with my refinance, ( felt I was being palmed off on another company ) I contacted the new company and have not heard a word from them since I sent them an email making some inquiries. I feel PRMG should of thoroughly investigated my credit history before the fact that I was lead on about being approved and spending nearly {$1000.00} USD for both appraisal and engineering certificate. I feel this practice is bait and switch and shouldn't be tolerated by consumers who are not in a position to throw away {$1000.00} dollars. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Attempted closing my PayPal account on XX/XX/ via web site ; spoke to Customer Service agent on XX/XX/ ; Customer Service cited that account could not be closed until 180 days after last transaction *however* could not direct me to the terms & conditions of my account ( online or otherwise ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have had my account with PayPal for 8 years with no incidents. XX/XX/2019 I started XXXX  XXXX To a cusnsumer whom made several transactions through XX/XX/2019 as well. In XX/XX/2019 I noticed my PayPal account had become several hundred dollars in the negative. I made contact with PayPal in these regulars to submit validation and text messages to prove that the transactions were legit from the customer whom contested them with their financial institution. The claim was filed with PayPal and almost instantly denied in my favor. I called several times and was advised PayPal had no control over the out come because the transactions had been submitted by the individual from the friends and family selection PayPals app? I do not agree this is possible as PayPal seen that I had spent the money in question and they had refunded it to the bank under the same liability clause and in return deducted that balance putting my account in the negative. Bias as this is saying that my account is less than one of the financial institutions is not fair I trusted them with my financial business or money and how can the bank of said customer have a Stronger pull on the outcome if I gave proof to validate any of the information given? I also advised PayPal of the 2 month delay that it took the consumer to alert their financial institution and they claim they can not control the outcome! I think its sad if they can get away with this treatment. I do not agree and Im trying to maintain professionalism. My 8 years with PayPal should speak for itself that this incident is not my fault or unauthorized. The transactions were valid and the real reason the consumer had to dispute the transactions was due to his significant other questions the XXXX nature of the listed XXXX  items he had received and she had discovered his secret thus causing him to cover his tracks lying and disputing the paper trail sadly. I submitted the texts to PayPal for their records and they have done nothing to help me. Is is because of the XXXX part? Im so confused how a financial institution can persuade another under false pretenses if their consumer is the one at fault? I dont do business with this alleged institution Im doing business through PayPal they are the ones violating my trust rights by allowing manipulation through banks or liars to contest valid charges. I do not care what selection is used during said transactions through PayPal they need to fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Convergent Outsourcing Inc. is reporting to all three credit bureaus that I owe them a balance of {$1300.00}. I never engaged in any business affairs with Convergent Outsourcing Inc . I disputed it previously and both the company and the credit bureaus never provided me with a signed contract with Convergent Outsourcing Inc. with my signature. A collection bill is not a validation of debt and I have a right to be provided with proof of my direct business affairs with them.

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I did not file bankruptcy in XXXX  because I live in XXXX, I disputed XXXX, XXXX, and Experian by submitting my husband 's military XXXX orders, proof of residency since XX/XX/2010, driver 's license, a letter from XXXX  court stating they did not give any of the credit agencies any documents that bankruptcy was filed, and a letter from XXXX XXXX stating that they investigated this with XXXX  court and did not find proof of a filed bankruptcy. I also file a FTC report with little assistance or feedback of removing the bankruptcy from the credit agencies.

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 2020-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
In efforts to ensure onetime bill payment with Citizens One, I attempted to set up automatic draft for my mortgage payment. There was an issue with the system or me inputting the correct account information and my payment for the month of XX/XX/2019 failed to process. 

I never received a phone call, email, text, no form of communication from the company indicating that my mortgage was late or needed to be paid. I was told that I was mailed a letter AFTER my mortgage was already 30 days late and a remark had been added to my credit report. 

Upon contacting customer service, a representative informed me that the company indeed did not contact me and only makes calls to its " bad paying '' customers when their payments are late. As a customer who has made 100 % payments on time there was no courtesy call or outreach to ensure that I didn't fall behind or miss a mortgage payment. 

What was even more frustrating and infuriating was that Citizens One called me and left voicemails several times in XX/XX/2019 attempting to sale me another mortgage after they some how found out that I was shopping for new loans. 

They took zero responsibility for their actions in this situation and refuse to remove or rectify the 30 day late remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have requested multiple times to get my consumer statement deleted from my Equifax report and it still has not been removed. My consumer statement reads " PLEASE REMOVE REMARKS FROM MY XXXX ACCOUNT STATING " CONSUMER DISPUTES THIS ACCOUNT INFORMATION '' I would like it REMOVED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
US Collections West is reporting to all three credit bureaus that I owe them a balance of {$670.00}. I never engaged in any business affairs with US Collections West. I disputed it previously and both the company and the credit bureaus never provided me with a signed contract with US Collections West with my signature. A collection bill is not a validation of debt and I have a right to be provided with proof of my direct business affairs with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I cant open bank accounts with main banks they all deny me. I need help please.

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 2020-01-15 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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Card was used on the XXXX of XXXX for XXXX and again on the XXXX for XXXX after it was stolen I emailed the fraud dispute company on the XXXX when I realized it took them until XXXX XXXX to respond with the information they needed I sent that on XX/XX/XXXX since I was unable to send emails until then and have since then emailed them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX thinking maybe they were just to busy from holidays but have not gotten a single response to any email as to wether action has been taken yet

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 2020-01-15 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: NY

Complaint narrative:
I previously notified you that I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief