vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: MD

Complaint narrative:
This account was paid in full as of XX/XX/2019. The credit report should be updated to read as closed and paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: SC

Complaint narrative:
On XX/XX/2019 my mortgage was transferred from XXXX XXXX XXXX to CMC Funding. XXXX XXXX XXXX transferred to CMC {$2100.00} Escrow balance. 
The loan principal balance was {$220000.00}, reduced by the additional principal of {$150.00} and from 2 mortgage payments. However, when I received my statement from CMC Funding the escrow amount was incorrect. The statement showed that my escrow acct is {$1200.00}. XXXX however XXXX XXXX transferred over XXXX. I have called on several occassions and sent emails, including XX/XX/2019 and talked with a representative # XXXX. CMC sent a letter on XX/XX/2019 stating that they were looking into the matter. I have not heard anything from them and I tried calling today XX/XX/2019 and was not serviced.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I make electronic transfer from XXXX XXXX XXXX XXXX to Bank of America. This is the second month Ive gotten a line of Excuses from Bank of America as to why my deposit hasnt posted. 

My payment was paid on XX/XX/2019 and as of Today XX/XX/XXXX had not been credited to my BofA account. 

So BofA is charging interest for weeks after payment is made. 

Last month they told me it could take up to 72 business hours for a deposit to post

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 2019-10-25 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: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
PNMAC MTG is reporting an incorrect late on my credit file or XX/XX/2019. I have NEVER been late on this account. I always make my payments online and thought it went through as usual. Later I noticed I was late and made the payment right away. I should have never been late, their was money in my account and the payment should have gone through. This is not my fault. I have never had a late on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: IL

Complaint narrative:
Multiple calls and texts every day to my cell phone stating that I owe debt to a company that I have never had any type of dealings with

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: IL

Complaint narrative:
Yesterday a customer purchased and item on XXXX and then cancelled order and paypal issued a full refund to customer but deducted XXXX cents from our business. When we called Paypal this morning, we were informed we were charged a processing fee for the transaction, and from now on we will be charged the entire service fee XXXX {$2.00} for this transaction, who knows for next one ) as a processing fee. We are just sitting here running a business and had no part of the process and was charged XXXX this time but going forward the entire service fee to the business is very unfair business policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BlueChip Financial
State: TX

Complaint narrative:
Upon checking my XXXX XXXX monitoring service I noticed a loan from Spotloan that was received in XX/XX/XXXX. I have not applied for any loans in XXXX, XXXX XXXXWhen I disputed it, whatever type of investigation they do, XXXX is leaving it on my credit report. I DID NOT APPLY FOR THIS LOAN!!!!!!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX of XXXX XXXX XXXX XXXX began to report a negative payment record to TransUnion and XXXX. I have never had a mortgage with XXXX XXXX but I had a mortgage that was closed and discharged as part of a BK13 over 7 years ago. XXXX # XXXX. Attached to this complaint is a Cease and Desist letter from my attorney sent to XXXX XXXX back in XXXX. This is negatively effecting my credit report/score and I believe this is against BK13 laws and protections. I am looking to have this account erased from my credit file. This is unacceptable harassment by this lender.

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 2019-10-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX of XXXX XXXX XXXX XXXX began to report a negative payment record to XXXX   and Experian. I have never had a mortgage with XXXX XXXX but I had a mortgage that was closed and discharged as part of a BKXXXX over 7 years ago. Case # XXXX. Attached to this complaint is a Cease and Desist letter from my attorney sent to XXXX XXXX back in XXXX. This is negatively effecting my credit report/score and I believe this is against BKXXXX laws and protections. I am looking to have this account erased from my credit file. This is unacceptable harassment by this lender.

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 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This debt was paid in full as of XX/XX/2019. The account reads as open and in collections. Credit reporting needs to be in compliance and updated.

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 2019-10-25 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting an incorrect late on my credit file or XX/XX/2019. I have NEVER been late on this account. I always make my payments online and thought it went through as usual. Later I noticed I was late and made the payment right away. I should have never been late, their was money in my account and the payment should have gone through. This is not my fault. I have never had a late on my 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 2019-10-25 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: UT

Complaint narrative:
XXXX XXXX is reporting an incorrect late on my credit file or XX/XX/2019. I have NEVER been late on this account. I always make my payments online and thought it went through as usual. Later I noticed I was late and made the payment right away. I should have never been late, their was money in my account and the payment should have gone through. This is not my fault. I have never had a late on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting an incorrect late on my credit file or XX/XX/2019. I have NEVER been late on this account. I always make my payments online and thought it went through as usual. Later I noticed I was late and made the payment right away. I should have never been late, their was money in my account and the payment should have gone through. This is not my fault. I have never had a late on my 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 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This debt has been paid as of XX/XX/2019. The reporting is inaccurate, account should be closed and not in collections.

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 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have uncovered fraudulent, misrepresentation and deceptive practices by Citibank Banking. Citibank is intentionally posting erroneous and false Available Balances and false or inaccurate End Of Day balances designed to misrepresent the consumer 's accounts. My balance was close to {$4000.00} in the bank on XX/XX/19, and the available balance reflected this amount. Therefore I made some ACH payments to the bank and wrote a check. Both charges were returned for Insufficient Funds the next day and charged {$34.00} fees, even though the bank balance lists the End Of Day balance at roughly {$3800.00}. Citibank gave a reason for this, there were other pending charges made on the XXXX that reduced the balance available and thus these payments were rejected. However none of these pending charges were visible on the Citibank website. None of the balance was reduced at any time of the day. And the End Of Day balance prior to XXXX  and after XXXX  still showed the full {$3800.00} available. When speaking to Citibank multiple times via phone and chat they admitted that the end of the day balance is " wrong '' and not accurate, and I can not see the other transactions pending. The next day ended had a positive balance, and the end of day balance again was still over {$2500.00}. Yet I received NSF fees for these two payments and they were returned. When it was the XXXX, these transactions which were pending finally appeared online and posted, yet they were backdated to the XXXX. After speaking to Citibank about why they are posting false Available Balances, and worse, false End Of Day balances, they had no answer and yet refused to reverse the fees even after escalating to the supervisor division. It is clear Citibank has intentionally created computer algorithms designed to post false balances and trick consumers into making payments against a balance which doesn't even exist, in order to maximize fees. This is fraud and theft plain and simple to misrepresent and print, daily, a balance that doesn't exist, especially for multiple days at a time. Fortunately I have collected screen shots of all of these transactions chronologically as evidence.

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 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX  that was financed through XXXX XXXX XXXX XXXX XXXX in the amount of {$15000.00} in XX/XX/XXXX and the account was paid in full on XX/XX/XXXX. The bank has reported the account paid in full to Transunion and I have filed multiple disputes and sent proof to Transunion multiple times including a letter with a {$0.00} balance on company letterhead to Transunion. I want the account to reflect the account is closed and paid in full. Transunion continues to say it is verified as accurate with the last payment being made in early XXXX with a balance of {$14000.00}. XXXX and XXXX both have the information reported correctly, but Transunion has refused to update my report with the correct information and I have been dealing with this for more than a year now and would like a resolution. Thanks in advance.

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 2019-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
I applied and was declined for a loan - which wasn't a surprise. After being declined, I called customer service and asked for my account, including my banking information, to be closed/deleted from their files. I was told by the day manager XXXX that it was ILLEGAL for them to cancel my account. That is absurd. I do not owe them any payments - there is no reason for them to retain my bank account information. XXXX also told me they will be keeping my information for 25 months. When I said ok, you can't close my account can you please just remove my banking information, she again refused saying it was illegal for her to do so. Nowhere in the documents I saw or signed was there information saying a DECLINED account can't be canceled or that they will keep your information for 25 months. This is something that should be disclosed to consumers. I have also filed a complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
My husband and I had a second mortgage with Rushmore Loan Services. Due to some family illness and problems with the mortgage company that owned our first mortgage, we were behind on a few payments. Rushmore sent us several letters over the course of a few months offering us a lower pay-off amount but we were not able to pay those larger amounts to totally pay off the loan. We kept making our payments. On XX/XX/XXXX, we received a letter from Rushmore titled " Lien Release Notice/Mortgage Debt Cancelled ''. It stated that our debt was cancelled and that the owner of our loan had extinguished our debt and the entire balance of our loan was brought to zero as of XX/XX/XXXX. We later received the deed and never had any subsequent attempts to collect the debt. When we called Rushmore several times to inquire why the debt had been cancelled, customer service representatives continually told us " Congratulations! Your debt has been cancelled. '' No one ever mentioned the words foreclosure or " charge off ''. The words " foreclosure '' and " charge-off '' appear on all of our credit reports. This is causing us to have a difficult time purchasing a new home. We would simply like the remarks to be changed to what WE WERE TOLD - " debt cancelled. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Paid the car off @ XX/XX/XXXX at a TD Bank location in XXXX Ma. I was told it would take 30 days for the title to be returned to me. I still do not have the title and when I called today they said the lien had not been released but the car is paid off. I have no confidence in them at this point and can not sell the car without title and this is causing me financial harm as buyer is going to walk away from the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
Between XXXX XXXX, Chrysler Capital and XXXX {$2500.00} was written up and added unknowingly to my loan and {$6500.00} down payment for 10 % changed after signing papers by XXXX XXXX finance manager and have fought for years and the money was to go back to Chrysler capital in XXXX and as of today never did. I received extensions in XXXX and recalled in two weeks by letter and had 5 days to pay {$810.00}. Got an extension in XXXX and I filed a complaint with the AG office and Chrysler which the insurance money never sent back by XXXX XXXX Chrysler stated and now they want to give me what's left. 
XXXX of XXXX XXXX from Chrysler Executive office called and told me to continue my monthly payments. This was after the extension. XXXX of XXXX I get a Cease and Assit and repossession letter. XXXX XXXX told me to handwrite a letter telling them they could call me since someone wrote I said do not call me. It was removed. I have made every payment from XXXX last year before talking with XXXX to XXXXSomeone tried to break in the car called police and called XXXX and told I would make payment on the XXXX on the XXXX they stole my car and sent me a bill for {$2300.00} and until the XXXX or will sell my car. I have talked with Miss XXXX, Miss XXXX who on the XXXX did not call me back also on Wednesday as promised and on Thursday XXXX XXXX told me to send in all payments from XXXX of XXXX until XXXX since it stated I missed XXXX, XXXX and XXXX and I sent the email to him and today I called he's away from his desk, XXXX said she or he would call me back. No one has called me and it's XXXX XXXX and Monday is the last day before they sale my car. They know I have proof that they took my car wrongfully because the system sent out a cease and assist letter as XXXX stated that it does sometimes if there is verbish on the line it can go out automatically.They are refusing to call me so they want have to correct what they have done and sale my car. This is the 2nd time their system has caused me problems. All I owe them is for XXXX {$400.00} since XXXX and I agreed in XXXX of XXXX to make my payments.I have done that 17 payments and they want call back they want to sale my car to keep from admitting the system did this. Please help, I need my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: MD

Complaint narrative:
Reporting is incorrect on all credit reports. I am current on payments as of XX/XX/2019 and derogatory items are being reported.

Company response to consumer: Closed with explanation