vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Requested short sale permissions from my servicer to sell my home. Received correspondence I was eligible for relocation assistance and short sale was approved. The title agent prepared Hud settlement statement reflecting {$10000.00} relocation fee, submitted to mortgage servicer. Mortgage servicer requested the relocation amount be lowered to 3 % per the investor request, resubmitted HUD settlement statement reflecting {$7600.00} per mortgage servicer request. I call today and I'm informed relocation expense was denied. I have been mislead by my mortgage servicer and the investor. II have spoken with several individuals in the short sale dept. and I given different. information each time. I feel my mortgage servicer is not providing me with truthful information. I also feel they have not contacted my investor for the relocation funds even I received correspondence stating they would give me relocation expenses

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I sent them a letter by certified mail to verify my debt and to date they have not. Also sent them a letter to stop calling me and they still do. They just called on XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: KS

Complaint narrative:
I pay about {$2500.00} extra each month to go directly toward principal on my loan. I have to call in EVERY month to tell them to put the additional on my principal. I called on the XXXX of XXXX to tell them they needed to be sure to apply the money correctly. I checked my online statement on the XXXX, and not only had the money NOT been applied correctly, but my principal balance had gone up by {$1000.00}. When I called and asked what was going on, I couldn't get a straight answer from the clerk. I asked to speak with a supervisor and after waiting for over an hour, I was told a supervisor wasn't available. I was told that my account would be corrected by the following Monday. The XXXX XXXX XXXX XXXX  not only was my account still not fixed, but the balance on my account was now up another {$2000.00}. When I called, again no one could explain it and no supervisor would speak with me. I called again on the XXXX, 2 times on the XXXX, 2 times on the XXXX, and 2 times on the XXXX. I asked to speak with the bank manager on the XXXX and was assured that I would receive a call back by no later than the morning of the XXXX. I still have not received a call from the manager or a supervisor. And my account is STILL NOT FIXED!! It shows that I am past due on my XXXX payment when they received my payment on the XXXX. I have never dealt with a worse bank in my entire life, and no one will return a call.

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 2021-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
This is fraudulent debt made the credit score drop XXXX points. There has been no written notice or verification of this debt It does not belong to the issuer of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: GA

Complaint narrative:
A collection account from XXXX XXXX XXXX was reported to all three credit bureaus in XXXX of XXXX. I did not receive any prior notice and immediately requested the debt be validated or deleted. I was subsequently sent a letter from the company on XX/XX/XXXX stating that there is no such account in their office with my information. I am attaching that below. I disputed the debt with all bureaus. The account was removed from my XXXX XXXX XXXX bureaus based on the company 's inability to show a valid account matching my information. On XX/XX/XXXX, the collection account was removed from my TransUnion report. Upon checking my report today, I see that the account has been readded. I have not been sent any additional documentation, validation of the debt, or the notice required before a company is able to add a collection account to a credit report. For this reason, per the law, TransUnion is required to remove this account permanently and not allow it to continuously be added to my credit profile. it is detrimental to my credit health and damaging to my profile.

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 2021-04-16 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: AZ

Complaint narrative:
I submitted documentation that I have been a victim of identity theft. There are items on my credit report showing that I did not authorize, I have asked that these items be removed and they are still reporting.

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 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I deposited a check for XXXX at PNC ATM at XXXX XXXX grocery store on XX/XX/XXXX. 
After a couple minutes of " processing '', message appeared that transaction could not be completed. The ATM machine ejected my bank card but did not return the check! 
I called PNC Customer Care and a supervisor assured me that the ATM is audited on a daily basis. The supervisor said it could take up to 10 business days but it is usually resolved within a couple of days. 
The next day I received a call from PNC saying that the ATM was operated by a " third Party '' and it could take up to 45 days for them to resolve the situation. 
I was very upset because this is a lot of money XXXX my inheritance ). 
I was planning on using that money to pay my taxes this week. 
This has really put me in financial turmoil and PNC employees seemed very indifferent to the problem. 
I can't believe the ATM 's are not required to have disclosure that they are owned and operated by a third party. So if something like this possibly happening I would have waited until XXXX and went to the bank in person. 
I can not believe that PNC was unable to contact " Third Party '' and have them audit the ATM to accomodate a financially distressed customer because of an error on their ATM. 
There is no apparent accountability?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have file dispute with the credit bureaus and XXXX did the job but Transunion is not doing theirs. I have two collections and I do not owe them any monies. They are XXXX XXXX ( acct # XXXX XXXX and XXXX XXXX XXXX ( acct # XXXX XXXX. I dont understand why XXXX  had deleted them but Transunion hasnt. I would like this matter solve quickly as for it is effecting my finances.

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 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Tried to wire {$150000.00} from XXXX XXXX account to BofA checking account. BofA rejected the wire because I used my maiden name. They returned the {$140000.00} to XXXX charging a {$45.00} fee. The wire team at BofA confirmed the fee but said they couldn't return it to me, I would have to speak to the general customer service team to get this money back. When I spoke with the customer service team, they said they didn't charge this fee and said that BofA doesn't charge this type of fee. But, I was told the exact opposite from the wire specialist with whom I spoke and there are other blog posts of BofA charging others for the same thing. This is an erroneous fee that I'd like returned to me. All of the calls with BofA are recorded and I'd like someone to look into them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Hello, Thank you for taking the time to read this. 

One of my credit cards, issued by TD Bank, seems to " forget '' sending a bill about once a year. I am a meticulous payor, I pay all our bills on time and in full, as evidenced by our XXXX credit scores. The reason why I am reaching out to you today is my concern that is TD is attempting to game consumers by simply not sending paper bills about once a year and cash in on interest fees, late fees, etc. We have different accounts with TD for many years and the experience has been overall satisfactory, however the credit card division leaves a lot to be desired. If what I suspect is true, I can't be the only consumer experiencing this. This is the second year this has happened, and it results in about {$100.00} of fees. 

I hope that you can investigate this type of suspected fraud. 

XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16 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 am a victim of identity theft and continuing to try to remedy the effects. There is a fraudulent account from XXXX in the amount of {$1000.00} reporting on my credit. This is a fraudulent account.

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 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NE

Complaint narrative:
I believe Specialized Loan Servicing purposefully under calculated escrow accounts during mortgage modification to make my modification appear better than it actually is. 


This is reflected in the rapidly increasing escrow shortfall and the resultant increased monthly mortgage payments. 

In 2021, although my property valuation did not increase, escrow shortages have increased mortgage payments over {$100.00} per month.

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 2021-04-16 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: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American express provided a welcome offer of XXXX XXXX points for the everyday prefered card, but there is a mis-understanding between American express and me on when I can downgrade or cancel the credit card without losing the welcome offer in terms of " keeping the account for 12 months ''. 
When I was charged for the new year 's annual fee ( I thought that is a sign I qualified for the 12-month term ), I submitted the request to downgrade the card. The agent did not remind me of the potential lose of welcome bonus! But days later, American express took away my welcome bonus because they think I am 1 month away from their 12-month term.

I immediately canceled the request for the downgrade ( which is allowed by American Express within 50 days ) and now I am still holding the original everyday prefered card. But American Express refused to reinstate my points because they determined I had the 'evil ' thought about downgrading the card ( which is not even successful ) within 12 months.

I just don't understand why they are so stubburn about their own mistake without considering how bad the service they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WA

Complaint narrative:
I have a account with cash app so does my fiance on XX/XX/XXXX I sent her {$1000.00} from my cash app account she then sent me back {$250.00} the same day we send money to each other like this often but I never received the money she sent, cash app or Square says the payment was received. I ended up signing out of the cash app by mistake and cash app now tells me I will need to open a new account and then they will merge my new account with the old and I should have access to my funds which after a month of e-mails back and forth has not given me access to my funds or my original account with my money the {$250.00} in it. They are saying for security reasons they can not give me access even thought I have provided my full legal name and full social and state zip. My fiance? Who has cash app and sent me the {$250.00} lives at the same address so not sure why they can not verify its me and legit and trace down my money and give me access to it..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I signed up for Credit Karma checking account via XXXX XXXX to get my tax refund deposited for a {$50.00} promo credit ( only to later find out that my tax refund was declined and sent via mail ). I of course never received my {$50.00} promo credit and when I contacted support they said ( one more than one occasion ) that the promo ended XX/XX/2021 even though I confirmed that to be a lie with the help of my XXXX XXXX expert, XXXX. Now I'm out my $ 3000+ tax refund AND have to patch things up with payroll at my place of employment. Credit Karma never replied to my email over this entire WEEK. When I called and spoke to a manager named XXXX ( XXXX? ) today I was not given my {$50.00} promo credit and had to transfer my money out of this pseudo bank account to my XXXX checking account myself. My account is still not closed and I am once again waiting for somebody -- anybody -- to contact me via email about this because nobody ( even the aforementioned manager ) would help me out. I want my {$50.00} deposited to my XXXX account and this Credit Karma " bank '' account cancelled.

Note : I just received an email from Credit Karma saying they would NOT even transfer my money into my XXXX account ( DESPITE me transferring money FROM my XXXX account INTO my Credit Karma " bank '' account ). PLEASE HELP ME GET MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Nelnet, Inc.
State: AZ

Complaint narrative:
Discovered that Nelnet does not report late payment greater than 30 days and that they only report greater than 90 days. On XX/XX/XXXX, according to agent XXXX XXXX with agent number of XXXX, he stated that my loans went out of deferment and the first loan payment was due XX/XX/XXXX, over 6 months later. Credit reporting agencies show that the loan was reported as " ok '' from XX/XX/XXXX thru XX/XX/XXXX. According to their records, they did not start reporting late until XX/XX/XXXX. I was not notified of loan coming out of deferrement status and in turn the loan has late payments from XX/XX/XXXX thru XX/XX/XXXX due to the false reporting of Nelnet. They reported my loan as " ok '' from XX/XX/XXXX thru XX/XX/XXXX, when it was in reality in default. The loan has since been sold to XXXX  and they are refusing to edit their false reporting of payments to all three credit bureaus. I have also included a deferment approval letter stating that my loan payments were never due. Nelnet never communicated with me to notify me of loan payments being due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management keeps calling my cell phone using an unknown number 3-5 times a day. I do not have any accounts associated with them and they keep asking for personal information from myself and for a family member which I will not give them. A XXXX man that can barely speak XXXX was very rude cause I would not confirm my name or my family members phone number or address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 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 am a victim of identity theft and continuing to try to remedy the effects. There is a fraudulent account from XXXX in the amount of {$1000.00} reporting on my credit. This is a fraudulent account.

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 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX has access to my identity. He switched my password, email, and phone number on my Wells Fargo account. The switch triggered a notification within Wells Fargo 's computer system and they notified me. The card has been since locked. I was notified before any charges were made. Good on Wells Fargo. Get the ID theft 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 non-monetary relief
Consumer complaint received 2021-04-16 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: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have asked Experian to remove the info on my report on a closed account and they will not let me submit a dispute, and the other credit reporting agency have allowed me to dispute these errors.

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