vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-28 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: CA

Complaint narrative:
The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a XXXX day late on my credit for XX/XX/XXXX and XX/XX/XXXX I have asked them to be remove and it still has not been done yet.

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 2017-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted 4 dispute requests, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in regards to tax liens on my credit report. They were not verified but were not deleted from my report. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN and DOB in order for it o appear on your credit file. The credit bureau does not have the verifiable information and the Tax liens should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SELPORTSVC ACCT # XXXX I was in a loan modification and was told why I was making the modification payments I would not be reported late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: NY

Complaint narrative:
I have been the victim of identity theft and have notified the credit bureau of this by placing a fraud alert on my reports as well as sending in an ID theft report. After going over my reports I did notice some fraudulent information I was able to successfully dispute and remove most of this information except for an account by a company called XXXX that Experian refuses to remove I have notified them via phone call and letters that this is a FRAUDULENT account however they refuse to remove it or give me the information used to verify the account. At this point i have now Disputed this account 3 times and it keeps coming back as verified but when i call Experian they can not tell me what steps they took to verify or investigate this fraudulent account. I am hoping the CFPB can help me clear this situation up as soon as possible. Thank you

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 2017-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
We represent the seller in a short sale with Bank of America on an FHA loan. The purchase contract and documents were submitted through XXXX in XX/XX/XXXX. There is a cash offer for {$330000.00} and after 7 months of back and forth with the lender they finally approved the short sale on XX/XX/XXXX. the approval letter was sent to us via XXXX on XX/XX/XXXX and the close of escrow date on the letter was XX/XX/XXXX. This is not possible with XXXX homeowners associations. I asked for a one week extension to allow title time to order the demands for the closing. The closer at Bank of America said she had to put in a variance with HUD because the ATP was expiring on XX/XX/XXXX which was ordered on XX/XX/XXXX. On XX/XX/XXXX we received a message in XX/XX/XXXX and also a denial letter that HUD ( the investor ) denied the extension. The complaint is that after 8 months of many hours poured into getting a cash buyer approved for a pre-foreclosure property the file was approved and then denied with in a few days with no answers from any party. We need resolution contacting Bank of America and HUD because many people are involved here.

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 2017-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: OR

Complaint narrative:
Our father died ( XX/XX/XXXX ), and my sister and I were appointed to take over the financial dealings for our mother. My sister ( POA for our mother ), my brother, and I became concerned about the " management '' fees being charge by US Bank on a trust set up by our grandparents for our mother ( primary beneficiary to receive income from the trust ) and we XXXX grandchildren ( secondary beneficiaries to receive residual funds on the XXXX of our mother ). XX/XX/XXXX we made our first approach ( see attached ) to US Bank in an effort to reduce the " management '' fees ( approx. {$16000.00} in fees and expenses with approx {$19000.00} of income distribution - account value XX/XX/XXXX {$970000.00} ). We proceeded with negotiations until in XX/XX/XXXX it became apparent US Bank was not dealing in good faith with only a .2 % reduction of fees ( approx. {$2000.00} annually ). We then hired an attorney seeking to have the three of us appointed sole co-trustees intending to keep the same low risk ( mainly investments in tax free municipal bond funds ) strategy and charge no fees. Should we have been successful, we were poised to transfer investments to XXXX XXXX which has amazingly reasonable fees. In order to get a fuller picture of the management over the 20 years since our grandmother died, early XX/XX/XXXX we requested ( see attached ) the annual summary statements and management agreement ( to ascertain if the trust was going to be responsible for US Bank 's attorney ). We not only did not receive these statements but, after requesting acknowledgement, we received no acknowledgement from US Bank about our request. Our attorney also requested these statements on our behalf ( we received only statements showing the trust distributions to the three of us on the XXXX of our grandmother ).
We believe ( under Oregon law ) that we have the right to receive these annual statements so we can better evaluate past management of this account and participate in arriving at a new strategy more appropriate for our mother in light of the excessive fees being charged for scant management of the trust established for her benefit. We also believe the trust should not be charge for anything more than a reasonable amount for these copies ( i.e. the trust should not be charged for any attorney fees as we had to stop legal action because we were assured the trust would be paying US Bank 's exorbitant legal fees ). Our purpose in filing this complaint is to receive the annual year end summaries from XX/XX/XXXX through XX/XX/XXXX as well as the management agreement which should specifically address who is responsible for legal fees under specific circumstances. Thank you for your assistance in this matter.

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 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: OK

Complaint narrative:
Sears Mastercard sent me an account statement indicating I owed {$33.00}. I owe Sears Mastercard nothing because a full refund was issued to me by Sears Mastercard for {$430.00} for the purchase of a dishwasher I bought at Sears. When I tried to dispute the debt with Sears Mastercard, XXXX ( ID No. XXXX ) told me I could not dispute the debt.

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 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is claiming my account is under risk/fraud. However, after talking to them and XXXX the address they got on file is completely different than mine. My account was closed for some check of XXXX being deposited without the funds available. Now I ca n't open and account and neither can my wife, because unfortunately she was on the account with 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 2017-07-28 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: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
Tide water credit. XXXX XXXX XXXX in recovery department knows of her employee taking a payment on my account and refusing to reimburse me for NSF and adjust the account since it was their error. XXXX XXXX all she does is shout and tells me basically I 'm a liar without any resolution. The account was forward to attorney office which I explain to attorney and requested for me to put in writing. I requested as part of the account being resolve to have them delete this account they agreed. today the account is showing past due with a balance, charged off and late late payments. I tried to resolve this account today with XXXX XXXX again got her rude team members XXXX and XXXX believe name refuse at first to transfer me to a supervisor and I was told to calm my attitude down. XXXX XXXX came to the phone and I advise her after basically she called me a liar that I was going to file a lawsuit she stated good all are calls are recorded. I asked for the reps name who took the payment from me 2 years ago what her name was she refused to give it to Me, all she kept saying was thats not how it went.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, 2017, I made a purchase on the XXXX XXXX XXXX US website for approximately {$100.00}. I paid with my Bank of America Cash Rewards Card. The transaction was denominated in US dollars. When the charge appeared on my card on XXXX XXXX, I was charged a foreign transaction fee of {$3.00}. This fee should not have been assessed, as I was paying on the US website of a company 's American division and paying in US dollars.

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 2017-07-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: PA

Complaint narrative:
I sent a letter certified mail to NCAC to valid debt in about of {$740.00}, NCAC responded with the original debtor " XXXX XXXX XXXX '' ledger with an excessive carpet fee for {$320.00}. I responded back to NCAC certified mail with pictures taken from Move Out of the entire apartment with no carpet stains. I also sent a copy of a letter from my Lawyer that was forwarded to original clienXXXX XXXX XXXX stating that the debt was incorrect. As stated in the legal document, the silence was taken as a confirmation that the amount was incorrect. Yesterday, I spoke with a representative to follow up on the status of my response. The representative stated that " he received the pictures of the apartment. Apartment companies can add fees if you do n't have a move out inspection and next time have an inspection to avoid false fees. '' He then went on to explain how he would delete the debt from my file for a settlement of {$420.00} however he could not put it in writing. I have to pay first then he will delete from my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I filed a dispute against the merchant XXXX for merchandise that I returned with tracking proof for the amount of {$2900.00} that was returned in XXXX. Capital One initially agreed it was proof and would assist me in the dispute. Capital One later lost the documents even though United States Postal Service supplied proof the documents delivered to the address Capital One specified. Capital One agents told me they do n't have the documents and wo n't acknowledge proof they received it. They then said they will look at documents I send but will not help me at all. Another Capital One agent said they will give me the benefit of the doubt and reopened the case. 2 Days later an individual by the name " XXXX '' closed the case and refused to help me. Capital One has received all the documents they requested but wo n't assist me anymore because I did not reply in time. However, I have replied in time by mail in XXXX. I also have a letter stating I am able to reply by XXXX/XXXX/2017 which Capital One wo n't address. Capital One is required to protect me under Visas International protection laws. I have now been scammed out of both the merchandise and the funds I used to purchase the merchandise. Capital One is engaging in fraud by delaying me several months reviewing my documents then closing the case after months saying too much time has passed. They will not elaborate on what this means considering I replied in time and are assisting the merchant in fraud even though they have a responsibility to protect consumers from unjust and immoral billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have already filed a complaint once before and they responded with a ridiculous excuse. They have done it again. I am being charged NSF 's for transactions that should have cleared ACCORDING TO WHAT I see on my end. When I log on to my account and see a balance available then i expect my transactions to clear as long as I am seeing there is enough to cover the debts. BUT they continue to hold back transactions and push through they ones they choose to. I can not believe this is not regulated by some sort of agency. Banks are continuing to fraudulently take peoples money and justify it by using some sort of authoritative source saying it is their policy but not really what they are doing! This has got to stop! I am not going to let this go. I want my NSF 's back. I know what is going on. I print my bank statement daily and they tell me the balance THEY see on their end with PENDING transactions is different than what i see and even though the transactions are pending - with the possibility to drop off or be reversed, they deduct that money " on their end '' and therefore any legit posting transactions are returned NSF during that time. I can not believe this bank is allowed to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I have had my account less than 1 year with this bank. During my time with them, I was told many things by the branch. One of those things is that they do n't charge fees on top of fees. Recently I received an overdraft fee and I was told that it was the only fee I would get. They then turned around and charged me an additional {$30.00} fee. Also recently, I used their mobile deposit for a payroll check. They refused to provide me with access to my money and placed a large hold on it. I asked for it to be canceled and I was informed they have no option to cancel a mobile deposit and that they can do whatever with my money they want. They indicated to me that the law allows them to hold a check as long as they choose, however the law also says they have to inform me of that hold. If they choose to hold and not inform me or allow me to cancel then they are violating the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I would like my bank to commicated with XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC
State: TX

Complaint narrative:
We just received a bill stating that we have not paid them in four months ( false ). We have been paying our agreed loan payments, and we have also notified them when we have had to make repairs ( for example : replace steering column ( purchased for {$85.00} at salvage yard. I also had to spend {$84.00} on renting a XXXX track to transport the part from the salvage yard to the repair facility, and {$200.00} for the mechanic 's labor ). In addition, I have also had to replace the starter ( {$45.00} for a part from an online parts house ... .a delivery that was delaved for two weeks, plus {$100.00} labor ). On the latter, I lost two weeks of work as a result ). Along with that, I had to pay {$150.00} to install a horn to bring the car up to state standards. We want our bill readjusted to reflect payments made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Addresses were deleted and added back to my credit report without any notification to me as is required by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
I started re modification process through XXXX XXXX XXXX. My lender is : RUSHMORE LOAN MANAGEMENT SERVICES XXXX. XXXX XXXX XXXX, CA XXXX TEL XXXX, FAX XXXX LOAN OFFICER : XXXX XXXX LOAN # XXXX The problem I am having with them is that the re modification is taking for ever, they asked for all sort of documents, when sent to them they denied it was not seen, when resent they wait for a while and request for the same documents after confirming the documents were received. I am suspecting they are wasting time so that they can be able to foreclose my house. I was behind because I lost my job and I got a full time job now. My wife has a XXXX XXXX since XXXX it is only me that is working in my household. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
The credit card company is displaying the full 16-digit credit card number on my credit card statement. This makes my card vulnerable and opens up security and identity theft issues.

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 2017-07-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter certified mail to XXXX to valid debt in about of {$740.00}, XXXX responded with the original debtor " XXXX XXXX XXXX '' ledger with an excessive carpet fee for {$320.00}. I responded back to XXXX certified mail with pictures taken from Move Out of the entire apartment with no carpet stains. I also sent a copy of a letter from my Lawyer that was forwarded to original client XXXX XXXX stating that the debt was incorrect. As stated in the legal document, the silence was taken as a confirmation that the amount was incorrect. Yesterday, I spoke with a representative to follow up on the status of my response. The representative stated that " he received the pictures of the apartment. Apartment companies can add fees if you do n't have a move out inspection and next time have an inspection to avoid false fees. '' He then went on to explain how he would delete the debt from my file for a settlement of {$420.00} however he could not put it in writing. I have to pay first then he will delete from my file.

Company response to consumer: Closed with explanation