vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: OR

Complaint narrative:
RE PHH Mortgage # XXXX On XX/XX/XXXX, I was notified by XXXX XXXX  that XXXX was switching servicing of my mortgage to PHH Mortgage as of XX/XX/XXXX. I sent check # XXXX for XXXX on XX/XX/XXXX to XXXX so that they would have it post to XXXX by XX/XX/XXXX. I checked XXXX, XXXX website on XX/XX/XXXX and saw it did not post. I called PHH and got the run around. The next day it was the same and I called XXXX for assistance as they actually own the paper. They could not get a live person to talk to. I continued to try over the next few days and finally found it was not booked on their system. I called PHH again a few days later but it still was not posted, They booked the account on XXXX but payments were not posted. I called XX/XX/XXXX and found payment posted to my account on XX/XX/XXXX. PHH received my check in their lockbox on XX/XX/XXXX and I believe they held it till XX/XX/XXXX so they could tack a late charge on my account. I called and was told it posted XX/XX/XXXX but there was a late charge. I asked why and they said I had a 10 day grace and that they received the payment after the grace period. I told them I had a 15 day grace not a 10 day, and they argued with me on that. I offered to email them a copy of my loan showing it was indeed a 15 day grace and that they had the payment since XX/XX/XXXX and I wanted it posted as of the second and they refused to do so saying they could not rebook the loan on their system and apply the payment as of the XXXX of XXXX. They would however remove the late charge they gave me. This issue is still unresolved by them. I am seeking help in getting my account properly boarded and interest adjusted as I am paying them more interest in the way they are calculating my interest. ALSO, they are forcing me to either pay more to make a payment each month or give them my banking info so they can debit my account. Since my husband and I are both XXXX and our pay is not date specific, I must pay as I get the money and pay a fee for them to collect my funds unless I let them yank my funds out. I have NEVER missed a payment or given any of my servicers a reason to question my ability to pay my bills so I fail to understand why I have to pay extra to make a payment each month when the funds come out of the very same account. I know that if they are doing this to us, they are doing it to many military families and this is very unfair and smacks of XXXX XXXX  tactics - thinking we won't notice them picking our pockets ... Any assistance is greatly appreciated. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, OR XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MI

Complaint narrative:
i went on XXXX XXXX and found an open account for americollect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: OH

Complaint narrative:
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.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

AARGON COLLECTION AGENCY ACCONT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2019-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/XXXX, My phone was stolen in XXXX XXXX Nevada. Unable to access a computer, I went to lost and found at the hotel my phone went missing. It was stolen at the Club called XXXX in the XXXX. On XX/XX/XXXX, many money transactions were made through my cell phone which was in the hand of someone else. This person changed all of my passwords ( including my bank of America account ). They then made a {$2500.00} XXXX Transfer to an unknown account from my checking account through Bank of America. I didn't know any of this was happening until I got home and was able to get a new phone. I looked through my email and saw all of these transactions were made. Because they were able to " verify '' themselves through my device, the Bank deemed it as a verified transaction. I also filed a police report, and faxed it to the Bank of America fraud department. They denied my claim and still have yet to follow up with me. I have called them multiple times, and I am willing to send the police report again if needed. I have the XXXX police as we well as the XXXX XXXX police 's contact if needed. I also have all of the transactions this person made in my account in my email if needed. I am owed {$2500.00}.

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 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Hello : This is the second time I've had a problem with Citibank not registering a payment. I pay over the minimum due and they take the money but the minimum due remains. The second time I paid {$350.00} on XX/XX/19. Over twice the minimum. The minimum was about {$140.00}. The payment was taken and didn't reflect on the required minimum payment. I called about 2 days later and explained it to them what happened and I was told that the payment would be credited and reposted on XX/XX/19. Citibank deducted another {$350.00} on XX/XX/19 from my checking account. And never cancelled the original payment. Leaving me with duplicate {$350.00} payments. Now they think it's acceptable for me to wait 3-4 business days for money they shouldn't have taken from my checking account in the first place. This is the second time this has happened to me with Citibank. The first time I just made a second payment. 
I typed this while being on hold for a manager and was now told that there is no manager on duty and one would call. 
Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: NJ

Complaint narrative:
I recieved a collection letter from perfection collection for the amount of {$3900.00}. I called the agency and explained that the debt was not mine. I made a police report, and disputed the claims with the credit bureau and had no success in rectifying the case. The debt is for a security system installed on a residence in XXXX. I don't know of anyone in XXXX. I live in XXXX XXXX, I have exhausted every option to rectify the situation, I even called XXXX and opened an account with the expectation of resolving this problem. The only other option that I have is to contact a lawyer, but u dont have the money for that. Please if you can assist me with this problem I will greatly appreciate it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX fraudulently pulled my Transunion credit report on XX/XX/18, and opened a fraudulent account in my name. After months of disputes with XXXX, and after filing a police report, they agreed to remove the account AND HARD INQUIRY from my Transunion credit report. The account finally was removed, but the hard inquiry remained. I have called to dispute with Transunion and was told they have not received a directive from XXXX to remove the inquiry. I spoke with XXXX and they told me they had, in fact, requested the removal of the inquiry from Transunion, and for good measure, sent another directive for them to remove the inquiry on XX/XX/2018, but Transunion is still reporting this fraudulent hard inquiry on my credit report and their customer service is of no help to me in this situation.

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 2019-02-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I purchase a XXXX timepiece on XXXX Website. the warranty date and the seller information i s different from the warranty card. XXXX stated in an e-mail, The difference between the dates is negligible as we are a little more lenient when it comes to the warranty period depending on the issue with your timepiece. We recommend using your warranty card as proof of purchase since XXXX is not an authorized retailer of our watch. We will without a doubt accept the card. Hope to have been of assistance and remain at your disposal.

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 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I made a {$250.00} Deposit to Cover incoming transactions. The transaction had not cleared my account, despite having the money available in my account TD Bank charged med {$100.00} in Overdraft fees. TD Bank has manipulated there system to increase NSF Fees on their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank Sears will not change the monthly amount from {$300.00} to {$200.00} as I can't pay the bill. They will not work at all to help at all. I called three times to ask for help and they won't help.

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 2019-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
1. Wells Fargo is intentionally over collecting for a mortgage escrow account, using projected tax numbers well above what the actual numbers ( escrow review and actual tax bills attached ) ; 2. Wells Fargo failed to pay two property tax bills they received from the XXXX County Tax Claim Bureau ( attached ) ; 3. Wells Fargo failed to pay my property taxes during the discount period ; 4. I received a delinquent tax bill dated XX/XX/XXXX for taxes Wells Fargo failed to pay ( as required from escrow ) ; and 5. I am being charged a 10 % penalty for this XXXX tax claim due ; 6. I will be charged interest if the delinquent tax bill is not paid by XX/XX/XXXX ; 7. Wells Fargo has put me at risk of losing my home for unpaid property taxes ( they are required to pay from escrow and did 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 2019-02-22 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PR

Complaint narrative:
On XXXX I noticed I have fraudulent charges to my discover card. 
I called Discovered and notify. A month later I received a affidavit which I signed and return. On XX/XX/XXXX I received a letter thru the mail stating that the charges were mine and I need to pay. 

I called this Discover and they told me that they have determining that the charges were mine and I was responsable for the payment. At this point in time they can not do anything. 

I am a victim of Fraud and is in my credit report. I am not going to pay for charges that I not done. 
Sun XX/XX/2018 Merchant name is XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX Merchant category is Merchandise Amount is {$2100.00} Sun XXXX XXXX, 2018 Merchant name is XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Merchant category is Merchandise Amount is {$99.00} I want these two charges to be remove of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
On XX/XX/2019 went to XXXX XXXX to trade and buy a vechile.Dearship pulled credit report up, nothing reported on the payments to SANTANDER CONSUMER USA on Car payment for the last 16 months for ME and my wife.So I called the Fianance co.Have to summit a report to there dispute dept, which could take up too 30 or 60 days to get resolved.So appreciate if could get the issue resolved soon YOURS TRULY XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
In XX/XX/2012, I started my own business and I was not able to pay on my student loan so I started to deferred them. Between running my business and a major car accident, paying back my student loan has been difficult. Over the last 6 years Sallie Mae/ Navient have added over {$10000.00} in interested and late fees. My loan amount total was around {$21000.00} in XX/XX/2012and now it is over {$33000.00}. 

Navient harassed me about my payments when the forebearance would end and call me all hours of the day. Then once I would do another fore-bearance they would add on more fees, interest and late payments. Navient made me believe that deferring my payment was a good/okay thing to do but what it really was, this company is just getting richer off of poor women like me. 

Now I am trying to dig myself out of this financial hole and I wrote them a letter asking them if they could go back to the {$21000.00} as my outstanding balance, if I would agree to pay this off in a couple yes and they said no. They manipulated me for their financial gain. 

Any help would be greatly appreciated. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Unbeknown to me, my PNC checking account was compromised by some individual, that we don't know, using a mobile application to cash multiple unauthorized or fraudulent checks. Immediately upon learning of this theft on XX/XX/XXXX, the bank was notified in person the very next day, since the customer service center was already closed. PNC explained not to worry that they would take care of this theft and refund our money. I walked away relieved! 

Fast forward to XXXX, the theft claim was denied because we reported the fraud 30 days after the first occurrence. Unfortunately, we had no idea unauthorized checks were being processed by PNC since we mostly use ATM, ACH or cash/balances for transactions. The thief started cashing unauthorized fake checks in small amounts to avoid suspicion - sadly it worked. 

PNC should have a noticed the high increase of checks being processed since as noted earlier, I use maybe 2-3 check per month. We were not notified of this unusual activity. PNC has copies of the all fake checks with clear false signatures. 

This individual knew how to easily compromise a checking account and steal money from PNC. Worse yet, they will do it again if not stopped by the authorities ... 

While it is ultimately the consumers duty to maintain the health of their checking accounts, whether high or low balances, I trust PNC or any other bank for one main reason - to keep my money safe from thieves. I have been a loyal PNC customer in good standing, for at least 10 years if not more, and also still have a money market account with them. Yet some of the recent conversations with PNC staff regarding this blatant check fraud, were questioning of my character and honesty. 

At this time, we have filed an appeal with PNC requesting all my stolen funds be returned to my account. Any assistance or guidance CFPB can provide will be greatly appreciated. 

Thank you. XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have noticed that XXXX XXXX XXXX have placed an inquiry on my Equifax XXXX XXXX credit file dated XX/XX/2019. I spoke to XXXX XXXX XXXX the reps in XXXX CA office and was told that there would be no inquiry to my personal credit. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: CA

Complaint narrative:
I have noticed that XXXX XXXX XXXX have placed an inquiry on my XXXX  & Experian credit file dated XX/XX/2019. I spoke to XXXX XXXX XXXX the reps in XXXX CA office and was told that there would be no inquiry to my personal credit. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''

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 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Money was taken out of my account without proper notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC
State: CA

Complaint narrative:
RISE Credit fraudulently pulled my XXXX credit report on XX/XX/18, and opened a fraudulent account in my name. After months of disputes with RISE, and after filing a police report, they agreed to remove the account AND HARD INQUIRY from my XXXX  credit report. The account finally was removed, but the hard inquiry remained. I have called to dispute with XXXX  and was told they have not received a directive from RISE to remove the inquiry. I spoke with RISE and they told me they had, in fact, requested the removal of the inquiry from XXXX, and for good measure, sent another directive for them to remove the inquiry on XX/XX/2018, but XXXX is still reporting this fraudulent hard inquiry on my credit report and their customer service is of no help to me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
No response. unable to verify the information from XX/XX/19 - XX/XX/19.

as CAPITAL ACCOUNTS LLC. XXXX XXXX XXXX XXXX XXXX, TN XXXX from XXXX XXXX on its monitoring report.

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