vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2017 I sent a letter to Transunion in regards to an unverified account with XXXX being reported on my credit report. In the letter I stated for the unverified account to be removed as it is negatively affecting me. I did not receive a response and Transunion continues to report this account. On XX/XX/2017, I submitted a complaint to XXXX for the same unverified account and they responded stating that they would send validation of this debt. It is now XX/XX/2017 and I have not received any documentation validating this debt. Again, I am requesting that this account be removed from my credit report as it is affecting me. I have attached proof of the response I received from XXXX as well as the letter I sent to Transunion requesting the unverified account to be removed.

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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I have been working hard to correct some inaccuracies on my credit report, and after contacting the credit bureaus in the past and recently in the last few months TransUnion continues to ignore me. I have received No response after 30 days and balance is not even on the creditor 's system because it was discharged, XXXX was sent, and I paid taxes. Transunion is misreporting it because they want to charge the credit or money for premiums every month. What another explanation is there because they ignore me completely. This is very scary! If this is happening to me. Who else is being affected? I have kids and am trying to just get into a home this year before rates go up, and I 'm getting this treatment. I paid my dues on the items in the letters attached. For XXXX of the accounts I received XXXX 's and did the right thing to pay taxes on the entire balance, and the creditor stated my obligation is done with them. Yes, Transunion zeroed the account and the re-reported the balance and dropped the score. Please help!! I know I 'm just one person, but I do n't want just to give up. Thank you, 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 2017-03-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Hello I have been contacted by allXXXXy financial for a debt on a vehicle they financed to me for {$30000.00} sold for {$18000.00} now they are saying I owe XXXX for a vehicle I only had in my possession for a little over 3mons. How can I be responsible.the vehicle was impounded for driving under suspension but how could I be under suspension when I have to have full coverage upon driving off the lot

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 2017-03-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America failure to reverse illegal deductions from account that had money removed by unauthorized person. Use of my ATM Bank of America card was skimmed by a criminal and they stole money from my XXXX account. Bank of America indicated I would need to wait 10 days for reversal of funds, or longer. This is an account for people on state XXXX, Bank of America will reverse for their own B OF A customer but not for a XXXX / XXXX account that was implemented by State of CA. These are accounts that are provided thru the banking institution of Bank of America and the recipient has no choice in the institution that pays them. Bof A bank should treat ALL accounts in the same FDIC protected manner. Someone on XXXX had no choice in the manner of getting payments in this form while out with illness, that is regulated by the State.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/2017 I accidently made a {$670.00} payment to a closed Ally bank auto loan. I asked they refund the payment on XX/XX/XXXX Ally stated the account is closed it will reverse automatically. I followed up with Ally bank today and was told no it will not reverse automatically they will instead hold my payment for 10 days arbitrarily and mail a check. The Bank I sent the payment from XXXX offered to send any proof Ally needed to show the payment has cleared Ally refused and stood behind waiting 10 days to mail a check.

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 2017-03-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
i got a letter in the mail today from citizens Bank saying I was denied credit. The problem is that I never applied for credit card with them and furthermore I have had a fraud alert on my credit report with all XXXX bureaus stating that I have had people submitting fraudulent applications in my name and in case anybody applies for a credit card under my name to call me first and verify that is me before they run my credit!! Needless to say I never received a call yet they still ran my credit which severely impacts my credit score. when I tried calling them I just keep getting rerouted and rerouted from Department to Department until eventually I got a departmnent that was closed!! This should be illegal ... what is the whole point of a fraud alert if they do n't follow the rules??!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
In XX/XX/2017, I terminated the services of XXXX and switched to XXXX. Knowing how companies are, I thought it would be in my best interest to stop payment on any future funds they decided to take. I went to Citizens Bank on XXXX/XXXX/17, in person, and paid the {$35.00} to stop payments to them. I was told I was all set. On XXXX/XXXX/17, Citizens allowed them to withdraw {$600.00} from my account. I called Citizens on XXXX/XXXX/17, and I was told the money would be put back by the following morning. On XXXX/XXXX/17, I was still overdrawn because of that charge. I called Citizens Bank again, and I was told they had to file paperwork which would result in waiting another 10 days for the money to be returned. They did offer their apologies for the inconvenience. However, when I had to tell my landlord that I could n't pay my rent for another 10 days I informed him that Citizens Bank extended their apologies. Surprisingly, that did n't fly. Now, to add insult to injury, they 've charged me a {$35.00} overdraft fee. I paid the stop payment fee well before this {$600.00} charge was presented. They XXXX, not me. They did n't fix their error in a timely manner, and they charged me for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Mortgage company failed to pay escrowed taxes from account. Payment is nearly a year late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
My only income is XXXX XXXX ( XXXX ). I bank with Navy Federal. On 5 separate occasions they have taken from my XXXX money to pay for my overdue credit card account. No other money is deposited in my account except for XXXX. This month they took money that I needed to pay the rent, and I could be evicted in the next few days. I have repeatedly told Navy Federal that all the money in my account is from my XXXX XXXX but they are tone deaf to my pleas. I thought it was illegal to take XXXX money for unrelated credit card accounts. Please help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI

Complaint narrative:
Something is wrong with the electronic payment system at XXXX. I have tried to make my XX/XX/2017 payment twice and the payments still have not been taken out of my checking account. I have tried calling multiple times, but I never talk to a live person. There is a phone number on their website, I have called over and over again, but no person can be reached. Why wo n't they pull the finds out of my account? Will my payment be reported as late? Will I have late fees, will this appear as a late payment on my credit report? I have lots of questions but no one to answer them. I made a payment of {$520.00} on the company website on XX/XX/2017. Then I made a second payment of {$520.00} on XX/XX/2017 also on the company website. Today is XX/XX/XXXX and the money is still sitting in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
same creditor information on my report twice. its the same account but listed twice on my report. when dispute they keep saying account has been verified to be yours and accurate. I 'm not disputing the account is mine, I am saying its the same account on there twice. same start date and everything have asked them to remove duplicate several times and they keep saying the same thing also will not remove outdated information. I have several accounts that are past the drop off date ( date of last payment and date of last activity is past 7 years and have requested that they be remove from credit file and keep getting the same response. this account has been proven to be yours and information updated. again I am not disputing it was mine but that it is past the drop off date and I request it be remove from file. I have had a REAL problem with Equifax when it comes to removing incorrect information, outdated information and information to drop off. also I sent them a money order that stated the creditor agreed to remove negative information from credit report once money order is received and cashed. it is written on the money order. the creditor received and cashed it and the item is still listed on my credit report. I included a copy of the money order with the dispute and received the same reply each time. this account has been verified to be yours and has been updated. again I am not denying that it was my account but that the agreement was to remove it from credit file was money order was received and cashed and it was. I do n't know if they see multiple disputes from the same person and just send an automated response, but what I do know is that my request are not being addressed. please help. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
I received a letter today from ( Bayview loan servicing llc ) They bought my loan from ( XXXX ) in PA they bought my loan back in XX/XX/2016. I have been current on my loan with no missed payments since i took the loan out. The letter states that they will for close on my house in loan is not paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Paymap Inc. issued me a {$240.00} reimbursement check due to the practices regarding the Equity Accelerator Plan. I thought this was junk until I gave Equity Accelerator a call regarding adding their services back to my mortgage because I canceled it a year ago, that 's when I was informed by their automated system of the refunds. I went through old mail that I have to shred and found the check. The check is not valid so I am asking for Paymap to reissue the check. I called Paymap to reissue the check and was told the deadline was XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I made complaints with PNC Bank about my XXXX account that transactions on my account were not being processed at the point of sale and I was not able to manage my finances properly. I received explanations over the phone that were not the same explanations each time I spoke to a different person. I attempted to close the account this month when XXXX transactions were adjusted in my account, which are evidence of my complaints throughout the past 6 months and I also complained PNC was retaliating against me for bringing up my PNC related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i settled the alleged debt Bank of America claimed i owed. Settlement and setoff was made over 30 days ago via United states Post office express mail to Bank of America payment center, i have proof they received it.

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 2017-01-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
This is a lease that was terminated 7 years ago but they keep re inserting a new debt to keep it current

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Inaccurate information as well as severe lack of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
We escrow our taxes through our mortgage company. We got a notice that our house was going to Sheriff Sale for failure to pay taxes. Freedom Mortgage claims they sent in the taxes but the county never received them. When we called to find out what was going on the customer service representative said it had to go through their tax department who can not take incoming calls! Can not take incoming calls?!?!? ITS TAX SEASON Freedom Mortgage is screwing us out of a deduction and they are telling us that they will respond by XX/XX/XXXX. A little passed our tax deadline. We then find out that they sent the payment to the wrong account number to the county. They hold the mortgage to our house and do n't even know where it is! We can not get any resolution to the problem because we ca n't speak to any one in the " tax department '' they have to " call you back ''. This is absolutely the most ridiculous thing I have ever heard! We are going to lose a tax deduction and are going to have to pay penalties for late payment and the best they can come up with is the tax department has until XX/XX/XXXX to respond? We have no where else to turn. These folks seem to think we have hours to spend on the phone trying to get answers! This is a very frustrating issue!

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 2017-03-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been trying to resolve my housing tragedy caused by the city of XXXX and lender, CitiMortgage but not getting any cooperation from the city or response from the CitiMortgage. It is unfortunate that instead of supporting me, my lender joined with the city of XXXX in selling my property at XXXX and XXXX, XXXX. I paid mortgage for 22 years, out of 30 years loan and {$130000.00} to be paid ( balance ) and CitiMortgage failed to do its fiduciary duty to me and conducted unfair business practice and received the balance payment behind my back. There is a code violation allegation by the city of XXXX, who designed a concocted case against me, still I deposited {$170000.00} cash for repairs but the city did not repair the property, kept my cash money, sold the property and kept the sale proceeds. The CitiMortgage did receive the balance payment of {$140000.00} from the city and the receiver and ignoring my rights and their duty to protect my properties despite my many formal and informal requests. The CitiMortgage failed to give me loan or legal representation to preserve their interest at the property because large amount of equity, about {$1.00} XXXX at that time and they did not care about my property rights and equity and received their balance payment because they colluded with the city. I had only {$130000.00} to {$140000.00} balance where I had a cash of {$170000.00} deposited to the escrow account of the receiver. I could have paid the balance from escrow account if they had cooperated with me. I requested for refinancing of the property, partial funding from the federal government but the CitiMortgage did not cooperate and collected 7.5 % interest when I was entitled to get 3-4 % interest. In XX/XX/XXXX, refinance request did not materialize because I was over XXXX years old when they found out that my income ratio was adequate to qualify for loan modification. They continue to receive my mortgage payment between XX/XX/XXXX to XX/XX/XXXX when the house was seize and close by the city of berkeley. CitiMortgage is fully aware of the closure of the house and City 's allegation of zoning violation but they took no action despite they acknowledged that they received all the notices. I am requesting you to investigate this fraudulent action of the city of XXXX, receiver and CitiMortgage and return my house. I am attaching a declaration of XXXX in support of my request for investigation of the fraud against me.

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 2017-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
To date, someone has opened XXXX banking accounts in my name. received letters with debit card number. they has some very personal information, as I have called the banks.

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 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK

Complaint narrative:
I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 

SPRINGLEAF FINANCIAL SER XX/XX/XXXX SPRINGLEAF FINANCIAL SER XX/XX/XXXX SPRINGLEAF FINANCIAL SER XX/XX/XXXX

Company response to consumer: Closed with explanation