vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
XXXX XXXX XXXX # XXXX****The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX .

failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXXis held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
XX/XX/XXXX submitted a request for short sale approval loan care loan # - XXXX, poc contact # XXXX   XXXX XXXX  XXXX ; email - fax to XXXX, XXXX, or XXXX, XXXXt ; XXXX LoanCare closed their review file in XX/XX/XXXX stating documents needed were not received. The package was sent again on XX/XX/XXXX. The documents were complete, customer service verifies verbally they see the documents but loss mitigation is prompting the system that the docs are needed There is a ready willing and able buyer trying to close by month end XX/XX/XXXX ( we could have closed in XX/XX/XXXX providing further legal resolve ) and the first lien approval extended once already is about to expire. We need to get to closing before foreclosure.

Loan Care is not processing the file competently and we need them to be accountable for the delay, process the file and provide a response asap.

please help XX/XX/XXXX has been processing the short sale for settlement and has all communications documented.

We simply need this bank to process the documents and provide a response asap.

also, banks do not understand the legal listing agreement. they request extensions to this document when they are not needed. Paragraph 4 clearly states the agreement is valid if a contract is entered prior to the listing expiration. please help all banks understand this as it causes delay transaction after transaction.

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 2019-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
Hi, I enrolled in a Citibank offer where if you transferred {$50000.00} into a savings account within 30 days and leave it for 60 days then you received a {$600.00} bonus. I just called Citibank and they claim that I did not meet the 30 day requirement. I opened the account XX/XX/XXXX and I did not receive the information to transferred funds into the account until XX/XX/XXXX where I did transferred {$50000.00}. However, even though I provided all the correct information Citibank rejected the transfer. So on XX/XX/XXXX I had to transfer {$50000.00} again. Both of the days I transferred were before the 30 days. However, the money did not make it into the account until the XX/XX/XXXX. Citibank made it impossible for me to meet their 30 day criteria by delaying when I could open the account and rejecting my transfers. I would greatly appreciate if Citibank honor the {$600.00} bonus because I made my best efforts to meet the 30 day requirement but because of Citibanks actions I could not. Also, my other savings account has a much higher interest rate so leaving the money in Citibank cost me hundreds of dollars, which the {$600.00} would help offset

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 2019-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018 I was denied a loan because the condo association which I was purchasing the condo from did not have enough funds in there reserve and was not approved. 
All closing cost should have been paid " At Closing '' However, On XX/XX/2018 Citi Bank had prematurely charged me for closing cost totaling {$790.00} Appraisal - {$590.00} Credit report {$21.00} Application Fee {$170.00} Flood Certification {$5.00} Citi Bank should have waited until they had all the proper documentation ( Questionnaire ) in place before they requested payments that are usually made at the time of closing. Please see attached documents.

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 2019-01-12 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: FL

Complaint narrative:
My Transunion credit file shows one account twice, ( XXXX XXXX XXXX XXXX ) both are not mine. It is also reporting a delinquent account from ( XXXX XXXX ) a collection agency or debt buyer, collecting for XXXX that is not mines. I have been a satisfied XXXX customer for 8 years, I am demanding an investigation and removal of all three adverse account being incorrectly reported in my credit file

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 2019-01-12 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: IL

Complaint narrative:
One account being reported as two collections. XXXX XXXX and 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 2019-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
P.N.C Bank has repeatedly treated me UNFAIRLY ( 12 USC 5531C ( 1 ) ( A ) ) and violated Real Estate Settlement Procedures Act ( RESPA ) ( 1024.41 ( b ) ( 1 ) by not providing me any modification options for my mortgage loan and now I am on the brink of losing my home. I have sent modification paperwork several times ( 3 total ) to the loss mitigation Department in the past ( 6 ) months and only to be told that they need more paperwork. The most recent time I sent the paperwork ( full loss mitigation application ), I got a response on XX/XX/2018, stating that I did not send the requested documents, but was rather told, that they have not received the requested documents.

PNC Bank has given me multiple Single Point of Contacts ( SPOCs ), and they all seem to be inadequately trained to handle or provide any loss mitigation options to me, but rather P.N.C Bank has threatened me with foreclosure proceeding ( s ) and stated they will report negatively to the Credit Bureaus. The SPOCs misplaced my paperwork and have not picked up my phone call ( s ) or returned them on time. P.N.C Bank misplaced my paperwork several times and stated they have not received it ( see attachments ). These tactics are abusive towards me and other consumer ( s ) and P.N.C needs to be held accountable for violating Consumer Protection Law ( s ) because I am losing my house because of PNC Unfair, Deceptive and Abusive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: FL

Complaint narrative:
My XXXX  credit file shows one account twice, ( XXXX XXXX XXXX XXXX ) both are not mine. It is also reporting a delinquent account from ( XXXX XXXX ) a collection agency or debt buyer, collecting for XXXX that is not mines. I have been a satisfied XXXX customer for 8 years, I am demanding an investigation and removal of all three adverse account being incorrectly reported in my credit file

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 2019-01-12 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: IL

Complaint narrative:
One account being reported as two collections. XXXX/XXXX   XXXX  and 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 2019-01-12 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: OK

Complaint narrative:
EQUIFAX IS REPORTING AN ACCOUNT PROVIDED TO THEM BY XXXX & XXXX XXXX, THIS COMPANY HAS NEVER SENT OUT A COLLECTION NOTICE AS REQUIRED BY 15 U.S. Code 1692g - Validation of debts AND GIVING ME THE CHANCE TO DISPUTE THIS ACCOUNT, AND EQUIFAX HAS NOT MAINTAIN A COPY OF ANY SIGNED CONTRACT OR AGREEMENT THAT VALIDATES THIS ACCOUNT PRIOR TO BEING REPORTED TO MY CREDIT REPORT According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have made arrangements to pay this company in installments and have already made the first payment.

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 2019-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: WI

Complaint narrative:
In early XXXX, I ran into some financial trouble because my PNC bank account did not update on mobile banking over XXXX XXXX. This overdrew my account on the following Tuesday and because I was out of town and not working at the time, I had to wait 2 weeks for a paycheck to bring my account back to balance. I accrued over a XXXX dollars in overdraft and NSF fees and have records to prove this. I called PNC multiple times and asked of anything could be done to stop this with zero help. I was transferred to a supervisor department after the 1st employees claimed they could not reverse any of the fees as the system would not let them. The phone rang once and I got an automated message that said no one was available and the call automatically ended. Never called back. Accepting that they would not budge to work with me or help me at all, I paid the fees and brought my account back to positive and moved on. 

Fast forward to today. The company I work for has decided to switch to biweekly pay instead of weekly. These past 2 weeks on one weeks pay have been awful and stressful. However, we managed to make it to Thursday XX/XX/19 without overdrawing. My account was negative XXXX dollars on Thursday XX/XX/19. When I woke up on Friday XX/XX/19 my account was negative XXXX because of a few small transactions that went through and XXXX dollars in overdraft fees 3 XXXX  dollar charges each. So, my paycheck finally hit the account for XXXX dollars on Friday XX/XX/19. Then at XXXX on Saturday XX/XX/19 I was charged 3 more XXXX dollar overdraft fees after my paycheck had already hit the account. Because my paycheck has gone through I did not expect this. I have so many bills coming out this week from having to wait 2 weeks to get paid, that I can not afford XXXX dollars in overdraft fees. This is my whole grocery budget for the next 2 weeks until I get paid again and I literally have no food in my apartment. I called again today XX/XX/19 asking for assistance in this especially because my paycheck had hit and there is no reason for the fees to be met with no help again and told I should use tips to avoid overdrafting. Enough is enough of this. Ive paid so much in overdraft fees that I can't afford to live. All I want was the 3 most recent overdraft fees refunded to me so I can afford groceries so I don't starve without over drafting again and having the same thing happen while I wait another 2 weeks to get paid. I have exhausted all options to avoid this. I have overdraft protection on my account. I have alerts sent to me when my account drops below XXXX dollars. The way PNC does their business makes it impossible to avoid this because it happens over night while you are sleeping and then to offer no solution to a good, 6 year customer is frustrating and disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Please be advised that my statement is not necessarily a complaint but more of a request. Three years ago I went through a number of serious financial setbacks, including a medical condition. Several of my accounts went into default. However, I still desire to see if I can settle each one of them. I do not desire to file for bankruptcy at this time, but I realize that is still an option. Therefore, I am respectfully requesting settlement offers to be mail to me within the next few weeks, and I will do my best to borrow funds from family members to satisfy each settlement as they come in.

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 2019-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was purchasing 4 tickets with parking passes from XXXX XXXX who advertised the tickets on XXXX. The tickets were for the XXXX XXXX vs XXXX game on XX/XX/2018 at XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX Texas. I transferred the agreed upon amount of {$400.00} thru XXXX on XX/XX/2018 within my Wells Fargo App to XXXX XXXX who also had a Wells Fargo account. Our correspondence throughout this process was thru text messages, which I still have on my phone, and the seller ( XXXX XXXX ) confirmed he received the {$400.00} and was starting the transfer of the tickets to my XXXX account. I never received the tickets. When I text him back he did not reply. So I attempted to call and he had blocked my number. I called Wells Fargo and they opened a claim and assigned it to their fraud team. After several days they finally called me to say that there was nothing they could do, and that they dont guarantee goods and services. They did confirm XXXX XXXX had an account and confirmed the transfer of {$400.00} from me to him but would not give me any other information. They said all I could do at this point is file a police report. Ill I have for information of the individual ( scammer ) I sent the money to is his name ( XXXX XXXX ), his email ( XXXX ), and his phone number ( 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 2019-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This debt was removed from all credit bureaus several months ago. It was not removed as a result of a bankruptcy ( Ive never filed for bankruptcy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
My home loan was recently transferred from XXXX XXXX XXXX to XXXX XXXX XXXX ( Originator ) and Shellpoint Mortgage ( Servicing ) on XX/XX/XXXX. According to 2 Shellpoint Customer Service Agents and Shellpoint 's Web Site, Shellpoint is missing records of my XXXX and XX/XX/XXXX payments to XXXX XXXX XXXX. Shellpoint asked me to wait on making my XX/XX/XXXX payment until we resolve this matter, but meanwhile my account continues to show that I am behind on 3 payments totaling XXXX. 

I called Shellpoint to try to resolve the matter on XX/XX/XXXX. I sent proof to Shellpoint via email on XX/XX/XXXX of both my XX/XX/XXXX and XX/XX/XXXX payments in the form of screenshots of my XXXX XXXX XXXX Payment History Page and my bank statements all showing a payment to XXXX of {$3600.00} on XX/XX/XXXX and a payment to XXXX of of {$3600.00} on XX/XX/XXXX. I called Shellpoint to again to try to resolve the matter on XX/XX/XXXX. Shellpoint indicated to me that they received my email, but did not receive my email attachments. I have a screenshot of the email I sent to Shellpoint with email attachments. 

The matter is still not resolved and Shellpoint continues to blame me and ask me to work with XXXX to resolve the matter. I find it very interesting that Shellpoint 's website shows that they have every single details about how much money I owe them, but is missing all details of how much I have paid them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In XX/XX/2018 I was laid off from my job and just days later had my wallet stolen. I immediately closed my checking account and opened new account with same banking institution. Unfortunately, I neglected to update online banking information when making XX/XX/2018 mortgage payment ; however, days later it occurred to me and immediately called Select Portfolio. The updated account information was provided to Select Portfolios representative and payment was made. The representative assured me the banking information had been updated online and no further action was required. This was not the case as the following payment for XXXX was returned by my bank as closed account. Although I can appreciate Select Portfolios concern, my sharing that I was assured by their representative in XXXX that my banking information was updated in their system was met with confrontation and requirement for future payments to be made by certified funds. Payment to replace returned check was sent by certified mail and received by Select Portfolio on XX/XX/XXXX. A few days later I received a collection call from Select Portfolio. Imagine my shock when I learned that said XXXX payment of {$2600.00} for XXXX mortgage was applied to line of credit rather than my mortgage. Since the payment on the line of credit is approximately {$330.00} each month, it baffles me why it was posted to that account. I was assured it would be corrected ten days ago and yet it remains unresolved. 
Unless corrected, I lose benefit of the tax deduction for 2018 for XXXX mortgage payment as a result of their sole action. Further, from a credit standing, it impacts to have late payment as a result of their ineptness and lack of interest to correct. 
As an aside, I did utilize the ombudsman with not as much as an acknowledgement much less a response. Any assistance you can provide in this matter would be very much appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation