vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
PennyMacUSA notified me Forced Placed Insurance was going to be bought and placed in the ESCROW account unless proof was provided Wind & Hail coverage was or has been purchased. ( I live in a coastal region ). 
My wind and hail policy did elapse, and I bought new insurance and provided that information to PennyMacUSA once I received the first letter from them. 
However, according to a follow up letter I received XX/XX/XXXX and a phone call I had with them, PennyMacUSA will still backdate the Forced Placed Insurance between XX/XX/XXXX and XX/XX/XXXX, and charge the escrow account {$1100.00}. 
I do not see a legal basis or anything in the mortgage contact for backdating and instituting a fine for insurance being lapsed. It makes sense on a forward basis, but insuring the past is not insurance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-11 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: ERC
State: VA

Complaint narrative:
On or about XX/XX/XXXX I forwarded a proof of verification letter to XXXX requesting information on how 3 debts that they are reporting were investigated. There is a Water Bill for  {$130.00} from a house I lived in during XXXX. XXXX XXXX is still reporting negatively even after the statue of limitations has long expired in my home state of Virginia ( 6 years ). I want this account removed from my XXXX credit report. There are two other negative items being reported XXXX. XXXX and Enhanced Recovery both collection agencies. I forwarded Validation of debt letters to both of these companies and XXXX   XXXX did not respond with a proper and timely response. I am forwarding their response to you, the CFPB, as proof of a poor and incomplete validation of debt procedure. When I wrote XXXX  to get information about what information they were provided by the debt collector they responded with a standard template letter asking me to contact the creditor. Which I have done already about 6 months ago. I want this account deleted from my report for failure to validate debt. Enhanced Recovery is an account that has been re-aged by the new collection agency. I want this account to be removed for that violation. Enclosed is proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I noticed a huge drop in my credit score in XX/XX/2020 from XXXX through my bank. I signed into XXXX and noticed a delinquent account with the original creditor " XXXX  '' and the debt collection agency " Receivables Performance '' with the address XXXX XXXX XXXX XXXX XXXX, WA XXXX and phone number ( XXXX ) XXXX. The outstanding balance is {$1000.00}. I have never had services from " XXXX  ''. I filed a dispute through XXXX on XX/XX/2020 and on XX/XX/2020 XXXX closed the case " verifying the information as accurate ''. On XX/XX/2020 I re-filed the same dispute through XXXX. On XX/XX/2020 I signed up for an account through XXXX and noticed the delinquent account is not on that credit report and my score remains in tact. I did a search on " Receivables Performance '' and noticed that the company 's website does not have a secure web connection ( no httpS ). I read reviews on the company that others have had similar experiences with fraudulent debt collecting claims usually generated from TV or phone providers ( XXXX, XXXX, XXXX, XXXX ). Therefore I did not take action to call the company directly to prevent them from making a connection to my personal phone number and to avoid solicitation of my personal 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 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: OR

Complaint narrative:
I was contacted in XXXX by XXXX XXXX from the offices of XXXX XXXX  XXXX to collect on a debt for a bank account that they stated I owned. I got the account number of XXXX from them which presumably was a USBANK checking account. I sent them letters from XXXX XXXX XXXX and XXXX XXXX  XXXX that showed I satisfied my debts with USBANK. The issue arose when the letters showed account numbers that did not belong to me. I then called USBANK to have them validate whether I owned the accounts or not. They said that the account number provided to me by them was not or never was owned by me. The account numbers on the letters that I had did associate to my accounts though. Those were both satisfied. I then spoke with XXXX XXXX and argued numerous times with her about the debt. When I requested that they validate the debt, she informed me that they were not going to do that and the file would be closed. 
Today, XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX XXXX XXXX, XXXX and spoke with XXXX XXXX. He was trying to collect on this same debt that XXXX XXXX  XXXX were trying to collect on. I went through the whole process again and contacted USBANK again, to only find out that this account number they are collecting on still is not and never has been owned by me. When I requested that the debt be validated, XXXX then told me that they were not gon na waste the time doing that and all they wanted to do was collect the money. He then told me that the file would be closed. I asked him what I need to do to get this situation resolved and he told me that I would need to prove the debt is not mine. I am unsure how to prove something is not mine when I don't own it and their is no documentation showing that it is mine ... I know that XXXX XXXX XXXX XXXX XXXX XXXX XXXX is just going to resell this debt to someone else and I am going to have to go through all of this again. 
Please help me get this resolved as I do not know how to prove that I do not own something. I can prove the accounts that I did own with USBANK though. Thank you for your help resolving this matter. 

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 2020-02-11 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: MO

Complaint narrative:
I spoke with one of Transunion 's representative and they would not help and take care of negative inquires reporting to my credit report, that I had no knowledge of the list of inquiries I requested to be deleted were : XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX- 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 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened the HSBC Advance checking account on XX/XX/2019 because I got a mailer advertising a {$200.00} bonus if I deposit at least {$10000.00} for some number of months. I don't remember the exact number of months, but it was at most 6. I satisfied all the requirements but never received the {$200.00} bonus. I've made several attempts to resolve this issue by directly talking to HSBC representatives via a chat service on their website. Below is a brief summary of my conversations with them : [ unknown date, first time using their chat service ] Talked with XXXX She opened a query with ID XXXX and said to check back later. 

[ XXXX ] I talked with XXXX. 
I gave full name, account number, last four digits of social, and application ID. 
They said to use the same query ID, and to check back in 3 - 5 business days. 

[ XXXX ] I talked with XXXX. 
He asked for a personalized invitation code. 
I said I didnt have it because the mailer was old and I dont have it anymore. 
He said that the notes say I am eligible for the welcome bonus. But not how much that bonus is. 
He said hell send an email to the concerned team, and to wait 2-3 business days. 

[ XXXX ] I talked with XXXX. 
They asked for a personalized code regarding the offer. I said I dont have it anymore. 

[ XXXX ] I talked with XXXX She said they sent me an email and were waiting for my reply. I was not told to expect an email. I could not find their email. I asked them to resend it. I still have never received such an email. 

-- end of log -- At one point, they told me to expect a letter in the mail, but that never arrived. I never got an explanation why I haven't received the bonus. They keep telling me they sent me either a letter in the mail, or an email. I never received either. I double checked my spam filter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2020-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
I never got the 3 day mortgage letter transfer from XXXX XXXX either SELENE Mortgage they don't want to talk yo me either the Selene company this company are an scam and also i had call several times to the to fix all this and i had got nothing in respond i need please some one to help me to identify the issue and the lack of servicing of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd
State: MI

Complaint narrative:
Nationwide recovery systems at XXXX XXXX XXXX XXXX XXXX, Tx has put a duplicate collection on my credit report 3 times. The date " opened '' has changed each time but the original creditor and amount owed remain the same. Each month if the amount is not paid then each duplicate debt shows up as a late payment. That means this debt is showing up late in triplicate every month. I have paid the debt with the original creditor but the three marks remain. This seems to be highly fradulent! 

The original creditor is XXXX XXXX XXXX My credit report lists that nationwide opened this account on : XX/XX/19, XX/XX/19 and XX/XX/19. In the amount of {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank charged " transaction fees '' and interest fees for a purchase that was made 3 months ago at XXXX XXXX XXXX XXXX, the store for which this bank services their credit card accounts. 

Made the purchase on by phone with the clear understanding that if the balance is pad off in 6 month, the there would be no interest fees whatsoever. 
The bank just told me that the info interest purchase I made was for only 30 days.

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 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Several weeks ago I received an offer from BBVA USA to open a credit card. The advantages of the credit card were that I was to receive a {$100.00} bonus if I spent {$500.00} in the first 3 months that the card was opened. In addition I was to receive points equal to 3 % of a bonus category of spending which in my case I chose healthcare. When i went to open the card I was offered an additional bonus of points worth {$50.00} for opening a checking account which I did. 

Several days ago I made my first purchase on the card of {$130.00} for a doctor bill and all seemed well. Earlier this week I then made a chare of about {$3500.00} for a hospital bill and my account was blocked. Today, XX/XX/XXXX, I was directed to the fraud department and reported that the charge was one I had authorized. I was told by the fraud department that I needed to submit a very large amount of documentation to prove my identity to unblock my account. I also received indication that I would not get my bonuses unless I unblocked the account I feel very much that this is a bait and switch. If I knew I would have to submit the amount of documentation requested I would never have opened the account nor used it. I also feel that I was incented to use the account for my medical bills and that as soon as I used it the account was blocked which has clearly used up my available credit and given me a card which is now useless to me. 

I also feel that this may have been now for the sole purpose of not only denying me the use of the credit card and hurting my credit rating but also so the bank does not have to pay me the bonuses which I have earned which include the {$100.00} for opening the account and spending {$500.00} within 3 months, the {$50.00} for opening the checking account and the $ XXXX I have earned for the 3 % bonus for the amount I have spent on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation
State: WA

Complaint narrative:
I purchased a few items on XXXX and paid for them. XXXX has now sent it to a collections agency and are having then extort me for more money.

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 2020-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: KEYCORP
State: RI

Complaint narrative:
We have a small business loan with Key Bank. I am told that I need to reach out to the local branch, which is located in XXXX, CT. In XXXX, I spoke with XXXX of the branch who did not know what I was talking about. I stated I needed a payment history and a letter of good standing so our condominium complex could be re-certified by FHA. I finally spoke with a woman in business banking at the Ohio office who did mail me the account history, but she stated I needed the letter of good standing from the local branch and she would reach out to them on my behalf. That was just over 2 weeks ago. 
I phoned XXXX in XXXX, CT at KeyBank today at XXXX XXXX  and was told she was at lunch. I asked for a return call. I called them again at XXXX XXXX, XXXX stated she was leaving the bank and was going to have her manager take the call. The manager, I think her name is XXXX got on the phone, stated she was with a customer and would call me back. I told her right out that I needed this letter yesterday and if they did not call me back or resolve this major issue, I would call the banking commission. She did call me back at XXXX XXXX  while I am writing this complaint, which I did inform her I am writing. The branch states they do not do a letter of good standing, She again states she can not get this letter to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: CO

Complaint narrative:
on XX/XX/2019 someone tried to take out a loan using my information with XXXX XXXX  XXXX/XXXX. i have tried numerous times for XXXX to send a letter to me and the credit bureaus to get this hard inquiry off my credit report and XXXX agrees it is fraud and states they have sent letters to me and the credit bureaus, but no one has received them. i have to have this letter to remove it from my credit and no matter how many times I call XXXX nothing gets 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 2020-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My son and daughter both have private student loans with Wells Fargo. My daughter is out of the country and her mail comes to my home. I received a letter that Wells Fargo needed proof of enrollment for her loans. So we got the form from XXXX XXXX and faxed it in. I then was receiving notices in my name. So we faxed it again. I even went to my local branch twice to have them fax in the enrollment verification. 

What I didn't realize is the letters addressed to me were for my son XXXX XXXX student loan. And, he didn't get enrollment verification sent in. So in XXXX they charged off his loan of {$9400.00}. 

I don't think Wells Fargo should be allowed to process student loans. First, the letters to me the co-signer only had account numbers on them. The name of the student was not on any letters. So I was calling Wells Fargo, but I thought I was calling for XXXX XXXX loans and not XXXX XXXX. Second, they had enrollment verification of XXXX attending school through XXXX of 2019. There should have been a 6-month grace period. His first payment would have been due in XXXX. Instead they charged off the entire loan in XXXX. Third, My children have other student loans. None of those student loan processors needed enrollment verification. They were able to check from the college reporting that my children were still in school. 

I would like my son 's student loan to be brought to a forbearance status since he was enrolled in college through XX/XX/2019. I want him to have a 6-month grace period to begin paying back the loan. I want Wells Fargo investigated because I bet they did this to all of their student loan recipients. I don't believe they should be allowed to process student loans.

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 2020-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FMS Inc.
State: ID

Complaint narrative:
I was contacted several times by a company calling themselves FMS, a debt collection service. They asked to speak with " my name '', and I stated this is him, how can I help. They inform me they are FMS and it regarding debt collection. They then refuse to tell me who the creditor is, the reason of the debt and the original creditor until I give them my date of birth and social security number. 
I offered to verify they have the correct information or not but they refused to cooperate. I informed them I will never provide that information to a caller, don't care who they say they are. They informed me they can not help clear this up if I do not cooperate. I informed them not to call me again if they insist on this game playing. 
Since that first time I was called on XX/XX/2020 at XXXX MT and XX/XX/XXXX ( I do not have the time for that showing up but I am certain I can get it if needed from XXXX   ). 
I do not remember the date of the original contact but so far I have told them 3 times to not call me again. First not to call if they continue with same withholding information until I provide private information then the 2nd and third time I told them not to call me again no matter what. 
I got a letter from them on XX/XX/XXXX that it is a medical debt from a local hospital demanding full price of {$3400.00} which would have been settled with insurance for about {$600.00}. Also, some of these debts may be covered through a Workers Comp issue but they do not outline all the charges, they just say ... Multiple - See Reverse, then just an account number and amount owed is listed on the back. Ridiculous! 
I have called back to get information but again need to verify all the social number, date of birth etc. 
Company is Oklahoma  FMS, Inc. in XXXX Oklahoma. The original creditor is XXXX XXXX XXXX Hospital in XXXX, Idaho. 
I am sending a letter to them demanding an outline of charges and dates. They refused to provide information to me or even permit me to place a request over the phone for any information until I verify over the phone. 
I want them help to the full extent of the law and penalized for their behavior, demands, and phone calls when told to put in writing and not to call me.

Company response to consumer: Closed with explanation