vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Mt father has a mortgage with  PNC bank/mo rtgage company. I was attempting to be place on the loan with him. The initial person my father and I spoke with was  XXXX   XXXX . He stated that we could do this on a Harp refinance. He stated that there would be no money involved in this process and it would be a relatively short process. He told us that there would be no appraisal and no closing costs. this started in   XX/XX/XXXX  of this year ( 2017 ). A s the loan was being processes we had contact with him on several occasions and also with the processor  XXXX   XXXX . After about a month we were asked to submit a title surrender form to our city hall of records. It was determined that no title existed for our double-wid e in our county an d that the bank had no original copy of the title or apparently any of the initial paperwork in the initial purchase of a new double wide. About this time they sent me out an updated  Loan estimate which stated there would now be a closing cost for the load. They also called  and notified us their would be an appraisal of the house. I spoke with the person we initially spoke with to begin the process  XXXX   XXXX  who informed me he was wrong and that the underwriter needed an appraisal. He also informed me it would be my responsibility to pay for  a Title bond and  that he was also wrong about no closing costs. I also spoke with the processor again to get some clarification of why the initial person could say we had no closing and appraisal and to find out why the bank did not take care of this title issue. I could get no answer on any of these issues at that time. I asked to speak to a supervisor and was put in contact with a  XXXX   XXXX . We spoke of these issues and by this point the appraisal had been completed. She could not explain to me why it was necessary or why there was a closing cost. After sever conversations over a wee k or 2 with  her there was no resolution about the title. They are dealing with a title company outside of their own bank. After receiving no resolution on this i asked again to speak to a higher supervisor. I was told i would be receiving a call from who ever the next person was in the chain of command was. it has not happened as of yet. However i have received yet another another loan estimation update that has more than doubled the closing costs. We have no idea what will happen when we pay off this mortgage with the title situation. We have paid for 15 years on this home with no clue there was no title. I am the person who has been paying for 15 years on this home and because I am not on the title i can not claim my rights as a totally  XXXX  vet for tax purposes nor have i or my father been able to claim the interest paid at the end of the year on taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PERLAND TITLE & ESCROW SERVICES CORP
State: VA

Complaint narrative:
On  XXXX ,   XXXX   I closed on   XXXX  se parate homes in  XXXX   XXXX , fl. The closing agency was  PERL ; AND TITLE ANS ESC ROW  SERVICES CORP,   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , FL.  XXXX   ... the funds were wired to me after  closing.Appx  {$2400.00} was held in escrow for customary reasons . Two days after closing I was notified by my realtor the closing company stated above refused to sent my the funds from the escrow account.They claimed I was overpaid on one of the pro perties and they are holding funds from all  XXXX  properties. Each sale was independently. I was originally told seller proceeds would be {$250000.00} yet I received only appx {$240000.00}. This company is holding my escrow funds illegally. I would appreciate your assistance in resolution of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: TX

Complaint narrative:
I have called this company many times to try and to get them to fix the errors that are being reported and i have also sent many certificated letters to show that these accounts and inquires are not mines as well as requesting them to update my information such as my address, my employer and my telephone number back in  XXXX  of   XXXX   through certificated mail and as of today  XXXX / XXXX /  XXXX   it still has not been updated and when i called to try and get this resolved again they refuse to listen to my complaint and try and get this resolved.

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 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Disputed items were not verified or removed from 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 non-monetary relief
Consumer complaint received 2017-05-02 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: SC

Complaint narrative:
Experian is in the business as a trade practice and business model of protecting its paid subscribers and not the consumers whose information they collect. The federal government is n't one of those subscribers in respect to the federal court system. Experian utilizes third party vendors to collect court records utilizing incomplete information and in such report back to the consumer that information has been verified, while it has n't by the standards verified complete information concerning the consumer nor does it report the third party vendor.   Experian was subject to a complaint concerning information that is n't mine, in the process I provide social security card, and  XXXX  tax formfrom th e social security administration to   verify my name as well as my social security number. In the attempt to cover up their practices of never removing information that is inaccurate they added the name which is n't mine to my file and then said they verified the information. This practice is illegal and must be stopped

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 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I have been having a problem with Enhanced Recovery coming after me for  XXXX  separate bills when they were not bonded in Texas at the time. I 've had the  XXXX  and  XXXX  accounts removed from my report several times over the years. Due to indentify theft as well as the debt I do not owe. However,  Enhanced Recovery Corp  seems to continually place theses accounts back on my report. Since  XXXX  I 've contacted between  XXXX  and ERC several times for validation of these debts with a contract signing, copies of license or ss to no avail. I first got them removed both accounts in  XXXX . Only to be placed back on in  XXXX . I had the accounts removed again due to lack of verification and validation of the debt they 're claiming I owed. The  XXXX  account was placed back on and removed again in  XXXX .  XXXX  came back as well and removed in  XXXX . I have had  XXXX  removed once again and now ERC is still trying to collect on  XXXX .  XXXX  has been removed from   XXXX    and    XXXX  . However, it and  XXXX  are still on My   XXXX   and  XXXX  report. I 've been having these problems with this company which had no bonding in the state of texas at the time these account were placed on my reports. I 've been fighting this debt. Not to mention the items have continously been removed. I 'm asking for valid proof of verification something in writing with my signature binding me to the debt. I 'm also submitting proof of these items being removed several times. Thanks so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
I received a Payday  loan  XX/XX/2014  and  I was making payments until I lost my job and I contacted agency to see if I could post  pone  my payments until I began working again they refused my attempt and I have n't heard from them since until today I received an email threatening to arrest me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: MD

Complaint narrative:
In  XXXX  of   XXXX  , I became separated from my wife. She returned to the household without permission in  XXXX  and my daughter and I moved out in  XXXX . I had to change account information in order to protect myself from her paying off her credit cards on her own account. So used checking account to pay off Mortgage Payment in  XXXX  and  XXXX . The letters were sent out and postmarked before the end of the month, but  XXXX  marked them as 30 days late because their processing was a few days after the end of the month.      XXXX  has processed loans later than the beginning of the month but has never reported me as late. They have responded with form letters and sent me a list of dates when my loans were processed which included payments posted after 30 days which they received within the 30 day window. I have requested info but so far I can only access the last 12 months. I have request the date received on these payments and they can not supply them. They do n't know when they got these checks so how can they penalize me and ruin my credit arbitrarily.     I have included the  XXXX  payment that was accepted on the  XXXX  and not marked late. I have included my letter to  XXXX .   When I did an adjustment to my mortgage they told me that they could n't consider it until I was at least 60 days behind and then they processed the adjustment internally and did n't defer the   three moths payments and caused derogatory credit marks that my relationship manager failed to disclose would carry over after workout period.
My daughter 's medical issue  s and impending divorce are problems compounding their arbitrarily trashing my credit report and I am grateful for your intercessation and available at  XXXX  to discuss.       Thanks for your help,  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 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
Debt Collector, Investment Retriever 's has manipulated accounts that have been reported as Identity Theft accounts from my credit report and re-reported them multiple times on my credit reports issued by  XXXX ,  XXXX , and  XXXX . By slightly altering the original account information on file including account numbers and account names and dates certain accounts have been re-reported or duplicated to appear on my report as another account with a different negative status. The original accounts are in fact closed, but by altering the date info the accounts also report as newly opened accounts that are past due. The purpose of this decietful act is done deliberately to damage my credit reports. As a result there are accounts reported that do not even exist that are essentially replacing the accounts that have been reported to the FTC as being Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: TX

Complaint narrative:
I have called this company many times to try and to get them to fix the errors that are being reported and i have also sent many certificated letters to show that these accounts and inquires are not mines as well as requesting them to update my information such as my address, my employer and my telephone number back in      XXXX   XXXX   XXXX     t hrough certificated mail and as of today     XXXX       it still has not been updated and when i called to try and get this resolved again they refuse to listen to my complaint and try and get this resolved.

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 2017-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I am writing to dispute a billing error in the amount of {$16000.00} on my account. The amount is inaccurate please look at the payment history that I have attached from  XX/XX/XXXX  to  XX/XX/XX . The balance remains the same no matter how much I paid ; I have made over payments and under payments and the balance remains the same {$16000.00}.     I understand I have a high interest rate however there has been zero applied to principle until recently     XXXX   XXXX   XXXX     payment is when finally payments started going to the principal balance.     I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.     Enclosed is a copy of my payment history supporting my position.     Please investigate this matter and correct the billing error total payments made  XXXX  on  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: OH

Complaint narrative:
I sent a copy of an FTC affidavit of identity theft and a police report to all   XXXX   bureaus. By law they must block the information from my credit reports. To date,  XXXX  complied but Equifax has only deleted on account not blocked the information they were required to and I can not tell on   XXXX   if it has been blocked or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
i called credit acceptance in the beginning of  XXXX  to notify them that i would be making a payment on   XXXX   to avoid towing/repossession and the customer service rep agreed. Credit acceptance than towed my car before the agreed upon date. on  XX/XX/XXXX  i made the payment as agreed + the additional towing charge and was promised that it would not be reported on my credit due to it being prematurely towed. on on   XXXX   XXXX   XXXX   i was alerted via  XXXX  that Credit acceptance reported my car as reposed and on the  XXXX  reported it as redeemed. i again contacted them and notified them of the error and was told there is nothing they can do and that it is not their problem.     another issue i have with credit acceptance is that they do not call me to notify me of  ANYTHING  my phone number is  XXXX  and they do not try and contact me at all. the only notice i received was via mail on   XXXX   that my car was due to be towed  ( the car had been towed the  week 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 2017-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I have contacted all   XXXX   credit reporting companies regarding incorrect info on my credit report regarding a collection from  Choice Recovery .  XXXX  deleted the incorrect info however  XXXX   XXXX  will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
Hello, I have emailing the bank and filed a complaint with the cfpb before. Everyone assured me the sale date was post poned and today we are showing it went foreclosure in court! If this is the case we need it reverse. I was assured multiple times that she no longer had a sale date.

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 2017-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: United Acceptance Inc.
State: NC

Complaint narrative:
United Acceptance  is reporting this vehicle, which was a voluntary repossession, wrong.     They are showing a Balance of {$9200.00} and a  Past Due  of {$13000.00}. This makes no sense. We should owe the balance of what they sold the car for minus what we owed on it.   If we owed {$9200.00} then the past due MUST be less than {$9200.00}.   This makes no sense. Please have it report correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: NY

Complaint narrative:
I received several calls from  XXXX  at the end of  XXXX . I answered several times and there was silence or a hang-up. In late  XXXX  they called again. I answered and the party identified themselves as being from  LJ Ross  a debt collection firm. They asked me to identify myself which I did and they proceeded to tell me that there was a bill owing  XXXX  (  XXXX   )  from a house I had sold in PA for approxiametely  XXXX . I told them I was never notified about any owing amount and said I would call  XXXX  to verify. At no time did I receive any form of written communication either from  XXXX  or  LJ Ross . To my knowledge all bills were paid at closing of house sale. I called  XXXX  and indeed verified the debt and that  LJ Ross was their collection agency. I then called LJ Ross  and immediately paid the bill but they had reported it to credit bureau. I never received anything in writing to notify me of their legitimacy or the debts legitimacy or dispute it. They had my current address on file and  XXXX  had my email address on file. Totally inappropriate action on their part and quite disturbing. Not to mention inappropriate reporting to credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
When I log onto my Bank of America account, I can see in large, red and bold letters " 0.00 % promotional APR until   XXXX   XXXX   ''. This text is displayed immediately next to my balance details and this led me to believe I was under a promotional period until   XXXX   XXXX   XXXX  there is also smaller fine print that reads " on balance transfers completed by   XXXX   XXXX   XXXX   '' however, I did n't realize this was a NEW promotion. I thought this information pertained to my current account. Therefore, I was surprised to see interest fees on my  XXXX  statement. Apparently, my promotional period had ended the previous month. I was not alerted, reminded or informed the 19.74 % interest rate would begin. Otherwise, I would have paid off the balance in full to avoid paying the interest.   I tried calling customer service yesterday. I asked if the interest fees could be waived as a courtesy but my request was denied.   Since then, I 've submitted a payment for the remaining balance in full ( except for the inter est fees ).  as soon as the payment clears, I 'm going to close my BofA Checking and " Keep the  Change '' Savings a ccounts. i 'm also going to close this credit card account.   I have checking accounts with  XXXX  and  XXXX  and I have plenty of other credit cards to choose from. I refuse to do business with  BofA b ecause I believe the way they display promotions is misleading. I have attached a screen capture of the display and you can clearly see how I was misled into believing the 0 % promotional period was until   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 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I 've tried numerous times to remove this debt that does n't belong to me from this company, diversified solutions. They sent back information stating that it was mine but never had proof I signed anything. They have used ridiculous tactics and harassment to get me to pay for something that I never even had.

Company response to consumer: Closed with explanation