vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Statebridge Company
State: FL

Complaint narrative:
I refinanced my mortgage and Statebridge was paid on XX/XX/19.  I called them about receiving my escrow refund and they told me it could take 30 days.  Here it is at 32 days and I still don't have my refund from my escrow account.  When you call them you are on hold for 15 minutes or more every time, who has time to hold that long while at work?   
They are awful.  They changed bank accounts and did not notify me and one month my payment was returned to me which I immediately turned around and sent back to them but my credit report was hit for this.  I spoke with someone who said they would do a letter to the credit reporting company and they did, send it to one but not the other two!  Why would they not send copies to all consumer credit reporting agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have a mortgage with Chase Home Mortgage for the last 15 years. It has just come to my attention that my mortgage payments for the last 8 years has not been reported to the credit reporting agencies. I called Chase and they stated that when I filed chapter XXXX in 2011 and although I've been making payments until recently when I have experienced financial difficulty and they stated that since I didn't sign an affirmation statement, they never reported payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/2019 a continuous OD fee of XXXX was applied to my account although my account was positive. My account was negative from the friday before up unitl XX/XX/XXXX when my direct deposit hit my account making the account positive. So on Sunday XX/XX/XXXX I called the bank spoke to a CSR tried to explain the above she said the fee was applied for XX/XX/XXXX on XX/XX/XXXX i said that makes no since because theres a XXXX fee on XX/XX/XXXX she hung up in my face you can hear the phone hanging up. I called back filed a complaint asked for the call to be pulled it is XX/XX/XXXX no one has addressed this issue yet. okay i go into my online account and notice that OD charges came out on XX/XX/XXXX for 3 days as if i never brought my account positive. I called again she saying i had things pending that i cant see my account is negative when the OD charge was applied on XX/XX/XXXX but i cant see. Then after going over common since of this makes no since what do you mean i cant see it why are you seeing different amounts than me that sounds like fraud. she then tells me to go in a branch. I go in to a branch on XX/XX/XXXX speak with a representative we both see what im saying but the branch manager says no she had a XXXX pending charge. I said no the XXXX is an atm withdrawl made at a XXXX ATM I made that withdrawl around XXXX am if my account was overdrawn on the morning of XX/XX/XXXX I wouldnt have been able to make that withdrawl and even after the withdrawl I still had money in the bank. So lets say i did owe you XXXX it was a positive amount i paid the XXXX on so why would fees be deducted on XX/XX/XXXX as if the account was never positive. I said the continuous OD fee must communicate to your system that my account is negative and this was an error causing other things to be reversed and more fees assessed. I would like an audit of my account as far back as 4 years looking into how many times this has happened in the past. and i want a refund of all fees assessed to my account do the error of the OD fee applied on XX/XX/XXXX and after.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: CREDIT BUREAU OF NAPA COUNTY, INC.
State: AZ

Complaint narrative:
My social security number is XXXX. 
Since 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$150.00}. I appreciate Chase Receivables and XXXX XXXX accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.

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 2019-12-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I purchased two appliances from Lowe 's online XX/XX/XXXX. The total amount of this purchase ( {$2600.00} ) qualified me for a Fixed Interest promotion with 84 months of payments at 7.99 % APR. However, because this purchase was fulfilled separately due to XXXX of the appliances being backordered, the transaction was broken into 2 smaller transactions. This effectively placed each item on a short term, interest free promotion instead. 

I called when I first noticed this on my billing statement in XX/XX/XXXX and was told they would adjust accordingly, but it would take 1-2 billing cycles to adjust. After waiting a few more billing cycles, the promotion was never adjusted. I called again during the Summer of XXXX, and was told they would adjust the promotion, but it would take 1-2 billing cycles to reflect properly. Again, the promotion was never adjusted. 

I reached out again in XX/XX/XXXX, and was told that Synchrony could no longer update the promotion, and they had no records of my requests. I formally disputed with their management, and was advised that I go to the Lowe 's store that fulfilled my order to see if they could do a " Return & Rebill. '' Unfortunately, because of the date of the transaction, and the length of time that had transpired, they were unable to make any adjustments. 

I am formally complaining to the CFPB of these unfair and misleading promotional practices from Syncrhony and Lowes. I have been accruing interest on this purchase ( ~ {$600.00}! ) which is now set to expire in XX/XX/XXXX unless I pay this off in full, instead of having the extended promotion that I selected when I made this purchase.

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 2019-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: NY

Complaint narrative:
Every single business day XXXX XXXX on behalf of Elan has called my business in excess of 10 times a day. When I answer, they ask for someone who is not present at the business and are unwilling to talk to anyone else. I ask them to stop calling me and they simply tell me they can't stop the calls from happening. I've tried speaking with managers, etc. and no one is willing to stop or reduce the call volume or speak with anyone else in the business. It is downright harassment and is extremely aggravating. I warned them I would be submitting a complaint and they told me to go ahead.

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 2019-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
An authorized payment to my credit card were deducted from my available balance on XX/XX/19 and XX/XX/19. Which also had the funds to cover the payments. However the next day the transactions on the list were rearranged in an order to where the credit card payment deducted on XX/XX/XXXX was reversed and a NSF assessed to it as well. I contacted my bank and they were unwilling to do anything or offer a logical explanation. I have the statements to show and validate my claim. My overall complaint is they rearranged the transactions then reversed a transaction already covered by a positive balance. Then reversed it and assessed an NSF fee to be able to distribute the payment to other transactions to cover them. The bank is PNC. My name is XXXX XXXX. My contact is XXXX and my cell # is ( XXXX ) XXXX. Ive also attached my statement outlining in red the reversal and outlined in blue are the transactions being taken out with a positive balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: WA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle that was purchased had broken down and was deemed a total loss. I had GAP insurance and the total cost of the vehicle was covered by this insurance. There is no outstanding balance due and consequently nothing to collect or charge-off. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this line item removed from my credit report however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XXXX XXXX, 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WY

Complaint narrative:
My mortgage company 's Attorney failed to send crucial and extremely important documents to my husband and myself. This despicable tactic took place both in XXXX and XXXX of this year. While in the middle of a judicial court battle, this attorney certified that on XX/XX/2019, a true and correct copy of the Memorandum of Opposition was served by U.S. Mail, first-class postage prepaid, to my husband and myself at our address. These documents NEVER arrived in the mail. When we inquired of this attorney, she claimed she was not required to send these documents as certified mail, which would have the ability to be tracked. She stated in an email, the following, " The package gets prepared and then sent to our clerk to mail out. It goes out via regular mail. It is not anything I can track. I do have the pkg I scanned in and sent for mailing, along with my signed certification that it was mailed out. There wouldnt be anything else I can provide youas it is not certified mail, nor is it required to be. '' This despicable tactic again took place on XX/XX/2019, as this attorney certified that a true and correct copy of the Motion for Summary Judgment was served by U.S. Mail, first-class postage prepaid to both my husband and myself. Once again, these documents NEVER arrived in the mail. When we again contacted this attorney as to why she never sent these documents to my husband and myself, she stated in an email, the following, " Here is a copy of the Motion for Summary Judgment we filed, mailing certificate on page 78. Certified mail is not required, only regular mail is. I dont have tracking I can provide you, all that is required is the certificate of mailing. '' Ironically, these documents arrived to our local court with no issue. It would be literally impossible for all 4 of these mailings to have been lost in the mail which were SUPPOSEDLY sent separately to my husband and myself. The XXXX mailings were 79 pages. The type of packaging these 79 pages would have required should have a bar code and should be very easy to track through the postal service if they had in fact been mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Please see attached request. Please make sure pioneer does not contact me by telephone and communicates in writing only. I am also represented.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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 recieved a copy of my credit report an saw these accounts, i tried disputing them with the companies themselves but i have not been successful.The following accounts i would like removed from my credit report : XXXX XXXX {$28000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$130.00}

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 2019-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle that was purchased had broken down and was deemed a total loss. I had GAP insurance and the total cost of the vehicle was covered by this insurance. There is no outstanding balance due and consequently nothing to collect or charge-off. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this line item removed from my credit report however, I have not been successful.

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 2019-12-19 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: WA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle that was purchased had broken down and was deemed a total loss. I had GAP insurance and the total cost of the vehicle was covered by this insurance. There is no outstanding balance due and consequently nothing to collect or charge-off. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this line item removed from my credit report however, I have not been successful.

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 2019-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a mortgage with XXXX XXXX Mortgage for the last 15 years. It has just come to my attention that my mortgage payments for the last 8 years has not been reported to the credit reporting agencies. I called XXXX and they stated that when I filed chapter XXXX in 2011 and although I've been making payments until recently when I have experienced financial difficulty and they stated that since I didn't sign an affirmation statement, they never reported payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
BBVA has been moving my transactions out of order so that I accrue fees even though I have enough money in my account to cover all transactions. I have called them twice about this and they will admit no wrong doing and state that I dont have enough money in my account when I actually have more than enough. This is not the first time they have done this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: Colony Brands, Inc.
State: AZ

Complaint narrative:
My social security number is XXXX. 
Since 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$150.00}. I appreciate XXXX XXXX and Swiss Colony accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I opened a checking account with PNC bank online. Automatically, a savings and reserve account were opened as well. On XX/XX/XXXX I deposited a check at my local branch for {$1000.00}, and received a direct deposit travel reimbursement on XX/XX/XXXX. Today, I received a letter from PNC that they are closing my accounts on XX/XX/XXXX and I will be mailed a check for my balance. 
I called the phone number on the letter and was told " just as you can choose not to do business with PNC, PNC can choose not to do business with you. I could get no further explanation from them for the abrupt closure. They also informed me that they are HOLDING my ENTIRE account balance until they refund it on XX/XX/XXXX. This has to be ILLEGAL! 
Being denied access to your own money without explanation is egregious. There have been no transactions on my account other than two deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Contacted the Chase XXXX Member line concerning SCRA benefits as an Ohio resident for two closed auto loans on XXXX XX/XX/2019. Both loans had an interest percentage above 6 % and wanted them to refund interest charged over 6 %. Personnel said they would review the auto loans and we should expect to receive a letter from them in 60 days or less. We were also told that they had received all required documentation form us and did not need anything further. I have yet to receive any a letter or any communication on the status of the review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: SC

Complaint narrative:
I was notified by XXXX that I have a past due balance, but I never ordered anything. My identity was stolen, and used to create an account, and items purchased which I never ordered or received any benefit for the items. I never authorized anyone to open an account in my name, nor did I open any account. No action has been taken by the company. I never received the items, nor opened the account so that account should be closed immediately and removed from my credit record, as my identity was clearly stolen.

Company response to consumer: Closed with explanation