vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony bank charges off the debt and sold it to XXXX XXXX. XXXX and Synchrony bank both showed the balance for the debt and both tried to collect on the debt at the same time. I paid XXXX XXXX and they deleted the reporting and synchrony bank charged the debt off again on my reporting as if it was a new charge off for XX/XX/2019. They then made the balance XXXX. This is unfair and illegal debt practices. The synchrony bank rep said it would be deleted as well however its still reporting and reporting as a new negative impact on my 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 2019-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I missed a payment in XX/XX/XXXX i have not been able to make up the payment they start calling after the XXXX of every month up until the XXXX of the next due date they call 3 to 4 times a day and leave voicemail and text messages i spoke to the rep in XXXX and advised her that i will make a payment before the XXXX she stated that i have to make an arrangement for them to stop calling. Im filing a claim today because they have called me 3 times when i spoke to the rep i advised her that of how many times they call me a day and i also advised her of title 8 she told me that they are allowed to call that many time i told her that i feel like i am being harrassed im at work and they keep calling my mail box is full i empty it and it gets right back full. Please advise me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Once again they are using payment funds how ever they want - they say I owe my full mortgage amount for XXXX on XX/XX/XXXX - but I will already be paying the XXXX mortgage payment. Please review the attached file for payments made for this loan. I did not choose to be this companies customer I was financed with another company - I am really tired of their fraud and theft of mortgage funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion shows that I was 30 days late XX/XX/2013 for a mortgage payment to XXXX XXXX. I previously notified Transunion and the mortgage company that I was never late paying and that the information is incorrect and I was informed that the matter would be investigated and corrected. However, the incorrect information remains on 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 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OH

Complaint narrative:
I am working with an independent Mortgage Broker that I have known for years. I am applying for a new mortgage as i am moving for a new job. I received phishing phone call from AmeriSave. They contacted me stating they received word from the credit bureau that they needed to obtain my SS # and other personal information to issue a pre-qualification. I verified from my broker that this is not legitimate. I spoke with " XXXX '' at Amerisave and her phone number is XXXX. 
The mortgage broker indicated that credit bureaus are selling information to lenders to go after business. The issue is that they are deceptive in their tactics, making you think that it is part of the process for the loan in which you are applying, and it is not.

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 2019-06-21 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: CO

Complaint narrative:
XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue. This negative reporting is harming my credit score. Please remove this line item 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 2019-06-21 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: CO

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 )  bureaus to fix this issue. This negative reporting is harming my credit score.  Please remove this line item 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 2019-06-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need help to dispute this item XXXX. XXXX {$110.00} that's on my credit report every time i attempt to dispute this item over the phone with Equifax they make it very difficult for me to do so, i do not recall this item and will like information such as a sign document or original contract

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request that the extended fraud alerts and security freezes be removed from my credit reports. I am trying to see if I am eligible to receive financial for a emergency medical procedure. Having the above mentioned placed on my credit reports has been a major inconvenience. Can you please removed it 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 2019-06-21 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: IN

Complaint narrative:
I SENT IN A POLICE REPORT TO THE CREDIT BUREAUS IN REGARDS TO AN IDENTITY THEFT THAT OCCURRED ON MY CREDIT FILE. XXXX, XXXX, AND TRANSUNION HAD DELETED IT FROM MY CREDIT FILE, BUT THEN, TRANSUNION PUT IT BACK ON MY FILE AND SAID THEY WOULD NOT BLOCK IT. THEY SENT A LETTER SAYING IT WAS VERIFIED, I ASK THEM TO SEND ME A CONTRACT WITH MY SIGNATURE ON IT, AND THEY NEVER DID. I ASKED THEM HOW CAN THEY VERIFY THIS ACCOUNT AS MINE AND XXXX AND XXXX COULD NOT. I WROTE A SWORN AFFIDAVIT STATING THAT WAS NOT MY ACCOUNT AND THEY HAVE IGNORED ME. WITH ALL THE IDENTITY THEFT THAT GOES ON, AS WELL AS THE DATA BREACH THESE CREDIT BUREAUS, PUT THE CONSUMERS THRU, THEY SHOULD UNDERSTAND INSTEAD OF JUST TRYING TO MAKE MONEY OFF OF THE CONSUMERS.

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 2019-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX was set up by my then husband for during my Life-Time, till upon my death. Then the Trust would be divided equally into 3 Charities. 

On XX/XX/XXXX I had received a letter from the Assistant Vice President, Fiduciary Advisor stating the Life Time Trust on XX/XX/XXXX terminate/exhaust with a partial payment at the end of the month. This giving me not much more than 6 months to find out how and what has happened during the years that the Trust was handled for again this was a Life Time Trust. 

The PNC XXXX XXXX handle the XXXX. I have called numerous XXXX, XXXX, sent letters to XXXX, XXXX and Government agencies, waiting as of this moment for replies back for guidance to handle this situation. 

Also I had contacted PNC Asset Management nothing had or makes since. Called one of the Charities with no answers. At this point after a few calls now if I would like I was asked if I would like to speak to their attorney. 

PNC has opened a Irrevocable XXXX XXXX XXXX without my knowledge or consent the effective date of the statement on my personal account it was XX/XX/XXXX. Since then month after month statements keep appearing on my Personal Banking Account. How can anyone open a account without your knowledge, then keep adding statements of past years. 

Each month since the letter from XX/XX/XXXX that the Trust will exhaust in XX/XX/XXXX I have been receiving statements in the mail as well of how the funds are invested and the balance of the account. 

During the past 20 years I have not received one statement, no communication From PNC stating any transactions or that the Trust would exhaust. There were no communication at all. The only paperwork that I did receive was the XXXX end of the year form and the Remittance Form of Deposit of the monthly income. 

I have been trying to resolve this issue. I am seeking guidance in this matter if possible. This is my life income and now somehow it is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United Debt Counselors, LLC
State: CA

Complaint narrative:
XXXX sent me a misleading solicitation letter. It was designed to give me the impression that I would be subject to interest accruing on my credit card debt at an unreasonable rate, and, in addition, penalties. The letter insinuated that this was due to **Failure to Call**

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Nationstar Mortgage is the Servicing company for my XXXX VA Mortgage. The Mortgage was included in a XXXX XXXX  decree and was currently in default ; foreclosure was imminent. I had identified a buyer that would pay 100 % of the outstanding default mortgage. Nationstar required an excessive amount of time to prepare a payoff quote and when they finally did prepare one they did not provide the timelines requested. The title company was able to coordinate a closing for Friday XXXX XX/XX/2019 ; 1 day after the poorly timed Payoff Quote was good through from Nationstar. As part of the closing process, the title company included an additional 6 days of accrued interest to the required payoff amount quoted by Nationstar in the wire which was sent on XXXX XX/XX/2019. 

Nationstar refused to accept the payoff amount. Due to their abusive and predatory practices, they delayed review and acceptance of the wire which contained a full payoff amount and now require an additional payment of more than {$1000.00}. This unconscionable display of delay in processing amounts to an observed posture of predatory fee collection on service members and veterans attempting to rectify a prior history of financial difficulty. In addition, the new owners attempting to invest in their community and the property they recently purchased are now exposed to unnecessary risk. 
As of today, Nationstar continues to maintain their position as correct and we are required to start from the very beginning of the process again, more than a month after initially reaching out to them ; about a month after closing had occurred. Appropriate payment sent by our title agency was never accepted by Nationstar and they sent the funding back ; they appear to either be grossly negligent or purposefully predatory to mortgage holders attempting to appropriately manage their financial situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
XXXX and Chase keep charging me. I quit XXXX. I mailed stuff to people and they just XXXX you and keep biling you. XXXX is a XXXX company and Chase took bail out cash. They are greedy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21 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: FL

Complaint narrative:
I am writing to request that the extended fraud alerts and security freezes be removed from my credit reports. I am trying to see if I am eligible to receive financial for a emergency medical procedure. Having the above mentioned placed on my credit reports has been a major inconvenience. Can you please removed it 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 2019-06-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request that the extended fraud alerts and security freezes be removed from my credit reports. I am trying to see if I am eligible to receive financial for a emergency medical procedure. Having the above mentioned placed on my credit reports has been a major inconvenience. Can you please removed it as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AK

Complaint narrative:
**Please note this isn't a duplicate. The prior complaint was taken over the phone by a CFPB rep because I didn't have access to my laptop at the time. Upon reading what was submitted I discovered it's not the entirety of what I said or what was read back to me so I'm trying to come back and clarify. ** My questions for Loan Care, LLC are : 1. why have my loan fees increased by approx 2,000 multiple times even since the HOA back dues issue was settled. 
2. why am I not routinely sent a breakdown and explanation of what makes up the fee totals on my mortgage. ( online has one total, statement has another, verbal from rep and loan balance indicate yet another ) 3. can I please get a clear explanation via response to this complaint.

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 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
WhenI first found out there was a problem is when I called to find out why my mortage payment wasn't taken out of my husband 's account. The ditech rep said that I was 12 months behind on my mortgage. I have been sending in payments every month, so where is this money going? She also informs me that my account has been sent to an attorney for foreclosure. They will not accept any payment. Two days later, I get a letter stating that they have put {$990.00} into a suspense account. A day after that, I get a letter that I owe money to an escrow account, and I notice that the account number on that statement is different from my original account number. I am so fed up with the shady dealings of Ditech. Now they will not accept any payments and are threatening to take my home. Something needs to be done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: AZ

Complaint narrative:
I requested a Payoff Statement on XX/XX/2019 from BSI Financial Services per their instructions ( on back of mortgage statement ). The payoff statement had unexplained charges for a " Deferred Amount '' of {$2700.00} and for " Late Charges '' of {$250.00}. After speaking with multiple representatives no one at BSI Financial Services can explain the reason for these charges. Two weeks have gone by and BSI Financial Services still has not returned any of my multiple voicemails ( to a supervisor and to my SPOC ) or issued an accurate payoff statement. Now I am at risk of losing a new loan because of the long delay, which will cause me significant financial harm. 

It now has been twelve ( 12 ) business days and BSI Financial Services still has not provided an accurate payoff statement. This is a violation of Regulation Z 1026.36 ( c ) ( 3 ), and is a compliance violation. BSI Financial Services ' compliance violation and failure to provide even a basic minimum standard of service has put me at serious financial risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting 90 plus days late on the XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) The date of last activity was in XX/XX/2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/19, the balance of my primary checking account at TD Bank was displaying incorrectly - it omitted electronic deposits from " third party '' vendors including XXXX XXXX ( wallet to bank transfer ) and XXXX ( a payday advance company ). These deposits not being credited meant I didn't have access to all of my funds. 

I called customer service 2 times and before even speaking to an customer service agent, was met with a recorded message about " technical issues '' with accounts - that accounts weren't displaying updated information and that TD bank customers and employees wouldn't be able to access updated account information via mobile, online or in-person banking methods. 

On the same day, at approximately XXXX XXXX, after checking the bank 's social media and website multiple times for an update or statement that would include information especially about when the issue was expected to be resolved, I then called customer service again and this time stayed on the line through the recorded message and spoke to someone. This is when I was told the issue was with multiple third party vendors including : XXXX XXXX, XXXX, and XXXX - to name a few. After asking a few more questions, the agent was able to tell me that they expected the issue to be resolved by XXXX - which I confirmed meant XXXX XXXX. 

The lack of communication and true transparency is troubling. There was no email sent to customers, no statements posted to the bank 's website, social media or other communication channels. Additionally, the agents seemed to be in almost the exact same boat as us customers - mostly without information. Unacceptable and irresponsible. We trust TD Bank to house our financial resources and provide services and this trust was breached today. I am still not sure which is causing the technical issue - was my privacy or security breached? Is my info vulnerable??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I applied for a partial lien release to include 1 acre to adjoining property I am attempting to sell. The overnight package containing application and processing fee was signed for by a representative on XX/XX/19. I complied with all requests for further information. After weeks of being told application was being processed, I was informed on XX/XX/19 application and processing fee was never recieved which was untrue - the check cleared my bank on XX/XX/19. I provided 2nd app. and a copy of the transacted check on XX/XX/19. I was assured my application would be expedited, but as of today XX/XX/19 I was informed it is still being processed. Ditech has had all necessary information since XX/XX/XXXXand has yet to complete the process that I was told should take no longer than 30 days. I am nearing inability to pay for the house I am selling because of negligence on the part of Ditech and no one will return my phone calls regarding this.

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