vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I received a notice from PNC Bank on XX/XX/XXXX, noting that I owed {$130.00} in " past due payments. '' If I do not pay this amount by XX/XX/XXXX, I will owe nearly {$80.00} in additional fees. 

There was no explanation for this " past due payment, '' and when I logged into my online account, it gave no indication that I missed any payments or owed {$130.00}. 

I called PNC Bank at XXXX, and they put me on hold for 45 minutes before someone spoke with me. The bank rep said he thought the amount was in error, saying that my financial product had recently gone through some kind of IT upgrade, which created a lot of similar problems with other customers. He told me I could probably ignore the problem. 

My problems with this are two fold : 1 ) Until PNC gives me something in writing saying that the {$130.00} payment was in error, I can't be confident that it really was. So, I have to continue to do my due diligence to make sure that what the telephone rep told me is accurate. This means following up with PNC, spending more time and energy in the days/weeks ahead. 

2 ) I spend almost an entire hour on the phone with PNC today ( the vast majority of it waiting to speak with the representative ). If I have to follow up on this problem, I will have to spend an additional hour. I've already escalated the problem and am supposed to get a phone call from another rep within 24 hours. 

If and when a consumer makes a mistake, banks almost always charge very hefty penalty fees. But when the bank makes an error, why doesn't the bank pay a compensation fee to the customer, for lost time and energy? A bank 's ability to create these kinds of headaches for consumers with no penalty feels like a major abuse of power.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I want XXXX XXXX to be put on notice, they are not to contact me regarding this debt in anyway. They are not to covey any type or form, of my information related to this debt for purpose of collecting. This original creditor or collection does not show any where on any of my 3 credit agencies. This is a demand for my information to be removed from XXXX XXXX XXXX if it gets passed on then liability will be theres. I would appreciate this notice after there responding forwarding it to the FTC. 
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 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: KY

Complaint narrative:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hello, I had an adjustable rate mortgage with XXXX XXXX XXXX which adjusted in XXXX to the tune of {$4300.00} but was adjusted to {$3700.00} after loan modification. I got a second job but even with a second job, I still could not meet these terms because in addition to these payments, that I'm single parent and still had to pay for child care and other living expenses. I contacted a realtor and after a long soul searching process, I decided to put up the house for short sale in XX/XX/XXXX. 
In the midst of the short sale process my loan was sold to Select Portfolio Servicing in late XXXX and I have been living a nightmare ever since. According to them which I find hard to believe, XXXX XXXX XXXX did not give them any short sale paperwork when the loan was sold so I had to start from the beginning again and fill out all the required forms. 
I have lost 3 buyers in the process because of their shoddy business tactics. 
I have had the same realtor on record and I have given her 3rd party approval to handle all transactions but on myriad occasions they have returned and said she does not have approval to speak them. I have made 3-way calls on multiple occasions so they could speak to her. 
I have sent 3 Request For Short Sale forms ( I have proof of receipt ) to them even uploaded it to their website but they keep saying to resend or they don't have it or lost it. 
4. Every time I think I'm close to approval, they throw another wrench in the plans and ask for another BPO, which is different each time, even though I have previously submitted it 3 times and ask me to fill out another RFS. The items requested have nothing to do with the settlement statement. First sale was for {$520.00}, went up to {$550.00}, now its {$590.00} The house needs a lot of repairs ( roof, flooring, termite ) and the current buyer is a newly single divorced gentleman who works in construction and will be able to offset the cost of these repairs. the BPO does not factor I the cost of the repairs of where a reputable, ethical person conducting it would tell you. So far he has been very patient to hang in there with the process but I'm afraid he maybe the 4th casualty. 
My life is at a standstill, I can not move forward and begin the hard work of reestablishing my credit because XXXX is a nightmare and losing 3 buyers has been very tough to swallow with XXXX giving me foreclosure dates and removing foreclosure date only to throw more curveballs because of their shoddy business tactics. 
No one buys a home thinking they will lose their home, I certainly never tough this would happen to me. I have lived in this home for 12 years and it's been tough to let of the dream of home ownership and my grieving process exacerbated and been complicated by XXXX. 
I have a copy of all the documents with my realtor that I have submitted to XXXX if you need them. 

Sincerely. 
Distressed soon to be former homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: OH

Complaint narrative:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 

I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

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 2018-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
XX/XX/2017 I received a medical debt from Medical Business Bureau was placed on my credit. They have not been able to validate that this debt belongs to me. Under the FCRA, I am required to seek validation with a document bearing my signature and this has not been provided to me. 

This debt was already removed from XXXX  and XXXX, I am requesting it to be removed from my XXXX  report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I had no credit history as of last XX/XX/XXXX but worked with a local XXXX XXXX XXXX to build my credit scores in order to purchase my first home in 30 years. I got my XXXX score to XXXX in XX/XX/XXXX and moved forward with a lender to purchase my first home. Now my XXXX score is XXXX also, but Equifax will not cooperate. They don't show that I have any tradelines even though I have had two since XX/XX/XXXX and 4 since XX/XX/XXXX. I have spent countless hours with my lender and other professionals in the financial community to figure out why Equifax will not record a score and they have spent hours trying to help me. I have called them at least 6 or 7 times and no help. They sent me a form letter saying " the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. I faxed and mailed all they asked for and more and they mailed me a similar form letter. Again, I sent them all the info they were asking including both previous and current Drivers License ( previous and new name ), both Social Security Cards ( with current and previous names ), Court Document showing my name change signed by a judge, electric bill ( XXXX XXXX ), photo copies of my credit cards, and payoff statements for all my loans. These I sent two and three times ( the first time I didnt include my name change ). I have now received 5 similar or duplicate form letters every time I have tried to get answers. I dont know what else to do neither do the professionals who are helping me. Equifaxs lack of professionalism is holding me hostage from owning the home I have worked hard to get. They are the only barrier and they will not cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I disputed a bankruptcy on my credit report with TransUnion and It came back verified as accurate. I requested their method of verification, which I am entitled to under the Fair Credit Reporting Act section 611. I received a generic letter in response. I called and requested the method of verification again and was told by a rep and a supervisor that they can not send it to me. This is a clear violation of my rights under the law however the supervisor maintained that TransUnion did not have to provide me with that information.

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 2018-03-26 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: OH

Complaint narrative:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

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 2018-03-26 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: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX is not reporting my credit account to XXXX Credit Bureau. I notified their Credit Account Dept and nothing was done.

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 2018-03-26 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: TX

Complaint narrative:
The following accounts are showing as negative on my credit report despite repeated attempts to have them removed. Experian has failed to produce documentation with my signature that says I am the owner of the following account : Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX   XXXX {$480.00} {$300.00} 160 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} {$300.00} 149 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - {$300.00} - Revolving Unknown XX/XX/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 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
The Rushmore Loan Management Services LLC holds the loan on my mother 's house. The property is being sold " as is '' because she can no longer financially carry the house or manage it. There are two departments at Rushmore the Loss Draft and Loss Mitigation departments. We are currently dealing with both. 
The problem is that the two departments are not in agreeance on how we should resolve our situation. The contractor should be paid by Loss Draft for his work which Loss Mitigation wanted done before they could proceed with the sale of the house. Rushmore Loss Draft is refusing to release the funds. And Loss Mitigation will not accept or process any offers if all issues are not resolved prior to it coming to their table. 
The longer Rushmore turns down offers, the worse the situation becomes for this inner-city house. The house is vacant now and has been broken into several times. We have called repeatedly but we have been refused a three-way conference between the seller and the two departments. 
They have repeatedly given us excuses as to why they can not provide funding. Rushmore agents never give us the same information twice. They will not put things into writing and have even called to say they gave us the wrong information and will not honor the cash amount they said they would offer the contractor because they did not read their own notes clearly. This is very unprofessional and unacceptable and should be addressed immediately. 
There is a huge disconnect between the two departments which ultimately leaves me, the seller, at a loss and at a stand still.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I approved for a credit card with Pentagon Federal Credit Union ( XXXX ) on XX/XX/XXXX with an initial limit of {$7000.00}. The card came with a promotional offer of {$100.00} after spending {$1500.00} within a 90 day period. I was approved for a credit line increase on XX/XX/XXXX to {$8400.00}. I paid {$1100.00} on XX/XX/XXXX. My spending passed {$1500.00} around XX/XX/XXXX, meeting the spending requirement. XXXX closed my card on XX/XX/XXXX. I have a XXXX XX/XX/XXXX score with no negatives. They are not my highest credit limit which is at $ XXXX. I generally do not hold balances, but I do use my cards and pay them before the statement cuts. They closed the card as soon as I reached the spending threshold. I did not receive the bonus.

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 2018-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I applied for a XXXX XXXX via XXXX XXXX over one month ago. I have called spoke with XXXX XXXX, she would not tell me what the extra {$300.00} fee was, then I went to the store on Saturday because I wanted to know what the charges were for and the customer service told me they could not help me that I needed to call XXXX, so its like a XXXX nobody would help me ( I knew of my balance because when you call the XXXX number above, they tell you the balance up front, but after that nothing ). so weeks went by and I never got my credit card, never received a statement. Yet sometime in the near future I have a bill that is due, so after continuing to call they admitted they sent my card to the wrong address ( weird because they delivered the bed to my house )! finally today I was able to make sure they fixed my address but NOT I HAVE TO WAIT 7 TO 14 DAYS FOR A STATEMENT!!! My credit will be affected because I have no idea what is due nor when it is due. I still don't ' know what the additional charges are, literally the bed I bought was only {$990.00} but I owe apparently {$1300.00}. I did order a table and headboards, but the back order was so bad, they I finally got annoyed and cancelled those two items. I only have 30 days to return stuff or you get charged allot for restock fees, so I feel like NOW I AM TOO LATE TO RETURN THE BED AND NEVER HAD A CHANCE TO REVIEW WHAT THE CHARGES ARE ON MY CREIDT CARD!!! 1 1/2 months later I still have no idea what is going on with my account or why they charged me extra. Its unfair and I want this resolved

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 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
This is a continuation of my last complaint. While I now have the documentation regarding the debt ; I was NEVER given an option to set up a payment plan or given consideration due to hardship. As a result, the XXXX XXXX XXXX XXXX and their debt collection agency continue to charge and compoundinterest after literally taking all income tax returns from both my wife and I. 

Had I been afforded an opportunity to set up a payment plan or debt settlement with them, I most certainly would have done so. 

Its unfortunate that a company that is supposed to benefit Military and beneficiaries is so predatory and inconsiderate. Their actions are forcing me to consider bankruptcy.

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 2018-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: NJ

Complaint narrative:
I happened to check my credit report and I noticed that there is a debt on my credit report that I am not aware of. The debt collector is Security Credit Services. I have never received any letter from them or any telephone calls.

Company response to consumer: Closed with explanation