vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX of XXXX, my mortgage was sold to PNC Bank. My escrow account was also transferred to them in it's entirety from XXXXXXXX XXXX My Property taxes which were due for the amount of {$1700.00} were due on XXXX XXXX, XXXX. PNC Bank failed to pay my property taxes out of my escrow account. I noticed the error on XXXX XXXX, XXXX and immediately notified my lender of the mistake via a phone call. The lender initiated an investigation and told me to inquire again on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX they had still not concluded their investigation and I was advised by a financial advisor to pay the taxes myself out of pocket and pursue getting the money back from PNC Bank. I took this action on XXXX XXXX, XXXX. Paying my property taxes of {$1700.00} plus an additional {$85.00} in interest and fees. I called PNC Bank again to let them know of this, and was told they would reimburse me for my expenses. I forwarded all the proper receipts and documentation to PNC Bank on XXXX XXXX, XXXX. 

It is now XX/XX/XXXX and PNC Bank claims to still be " investigating '' my case, but has not provided any resolution or sent me any of my money which is due me for paying my property taxes. 

I am glad I took the action of paying the taxes myself, as if I had not, my house would have been placed under a lien on XX/XX/XXXX. PNC Bank has not provided me any reason why they can not reimburse me for the funds I have paid out of pocket for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
on XX/XX/2021 I sent GM FINANCIAL a Cease and Desist, a Affidavit of Truth, Exhibits labeled with the companies violations of my federally protected consumer rights under TILA and the FDCPA, and a invoice for fair and appropriate compensation of the violations through certified mail with a green return receipt to prove the company received the documents. I also filed a complaint here through the CFPB with attachments containing everything that was sent to GM FINANCIAL supporting my claim of the violations and the section of the law referencing my consumer rights in which they violate. GM FINANCIAL responded to the CFPB with a letter that was unacceptable and unacknowledging of the fraud and violations they committed. The Affidavit of Truth filled with statements of truth which I sent to GM FINANCIAL ( and to the CFPB for documentation ) went unrebutted which by law stands as truth in commerce. On XX/XX/2021 GM FINANCIAL violated 15 USC 1692d- HARASSMENT OR ABUSE ; and 15 USC 1692c ( b ) - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION ( b ) COMMUNICATION WITH THIRD PARTIES ; when they implicated a third party debt collector to the whereabouts of my location information XXXX XXXX XXXX XXXX XXXX XXXX to Harass, abuse, and embarrass me by illegally repossessing my vehicle from my location at an inconvenient time while bystanders watched my privacy be invaded. I went to the repo companies residence to get my vehicle back and was told GM FINANCIAL has to send a release. When i contacted GM FINANCIAL i was told i have to pay {$1400.00} to have my vehicle reinstated, catch up on alleged debt from past due payments, late fees, and pay the tow fee from illegally having my vehicle repossessed unwillingly and provide proof of full coverage insurance which is supposed to be included in my finance charge but was never disclosed to me. Pursuant to 15 USC 1605, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. I am the original creditor, I entered into a consumer credit transaction with GM FINANCIAL in which a finance charge is involved, and i am aware that GM FINANCIAL used my " Credit Card '' as defined under 15 USC 1602, to create the certificate of indebtedness and it is not my obligation pursuant to 18 USC 8- Obligation or other security of the United States defined. GM FINANCIAL is criminally liable pursuant to 15 USC 1611-Criminal liability for willful and knowing violation ; for violating my rights as a Federally protected consumer under 15 U.S. Code CHAPTER 41- CONSUMER CREDIT PROTECTION. GM FINANCIAL is civilly liable pursuant to 15 USC 1640- CIVIL LIABILITY ; in my individual action for damages, for twice the amount of the finance charge in connection with the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
received emails stating my credit had been ran by XXXX XXXX XXXX  and Barclays Bank but no further contact information was sent

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 2021-03-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is not complying with their own policies in a timely manner. Please see my attached dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
in reference number complaint with your agency COMPLAINT # XXXX XXXX XXXX and trying to still collect monies NOT owed. XXXX XXXX has already been paid in full on XXXX. XXXX XXXX keeps trying to extort monies from me and will not contact Equifax to inform credit bureau that debt has been paid since XX/XX/XXXX, XXXX continues to keep trying to trash my credit report by refusing to list the debt paid in full. Equifax is no better. they are conspiring with XXXXXXXX XXXXy to keep trashing my credit report right along with these XXXX XXXX fake collection agency. this matter has been reported to federal trade agency as extortion and fraud. Please demand this XXXXXXXX XXXX  update its info o n my credit report asap. Requesting info on XXXX XXXX  collections to start civil litigation against this collection agency asap. As far as Equifax I have contact higher credit authorities because your agency did not one XXXX thing to enforce your laws against unfair credit laws act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
In XX/XX/2021 I visited the Cash 1 store on XXXX  and XXXX to refinance my loan which I had done at XXXX  and XXXX XXXX a month or so before. During my visit to the XXXX store I told the Representative to make my payment date for the XXXX, like the previous store. The Representative said ok no problem. Well they didn't do as asked Apparently. So on XX/XX/XXXX my daughter gets a text message and I get a email stating the payment was coming out of my account on XX/XX/2021. I also specifically ask to have a 6 month term as the Representative said they could do. I called to find out why they were requesting my payment on the XXXX that it was due on the XXXX. The man that represented himself as the Store manager his name is XXXX. He stated he could not change the due date, and he wanted my bank statement to prove when I got paid my Social Security and Pension payment from my deceased husband that I receive monthly. My daughter was listening and said mom they are asking for that information because they are trying to make you sign a new contract. If my daughter wasn't there and works as a Loan Specialist for a very large financial institution, I would have done it, which in turn would start my loan all over again, which means I pay alot more in interest. This company has you express sign electronically in front of them off your phone. It has you check off on boxes for consent. They don't go over all the information with you to make sure everything in correct like loan term, payment date, interest rate etc. So here I am thinking and trusting in there practices. Boy was I wrong. The store manager as he called himself absolutely refused to change my payment date and tried to get me to sign another express loan agreement. He was rude, very unprofessional. Im a XXXX year old women and was told by XXXX to stop cussing. I was applauded. I don't use curse words and when I asked what he was talking about, he stated back to me well you almost did. Wow unbelievable. This company is taking advantage of the elderly by trying to get them to sign new contacts to increase their paybacks in interest. And abusing the elderly/ myself with accusations. Again if my daughter wasn't listening to what was going on over the phone they would have got me. I just was trying to get corrected their mistakes on my payment date. And they put me on a 7 month contact, instead of a 6 month as they stated they could due, and agreed too. I hope by writing this complaint to the CFBP they will change how they conduct business and treat people in general, and that they will make my contact a 6 month original term and the payment date of the XXXX each month. I was always paid my loans on time, paid them off be for they came to term, etc. Please help me resolve this situation. 
Best Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Convergent Resources, Inc.
State: MO

Complaint narrative:
I use to be with XXXX and I had bought a new android phone. This happen back in 2019. I was told that I have 7 days if I didn't like the phone. So I wanted to go back to my XXXX, so I returned my android back on the XXXX day. I went back to the XXXX store located on XXXX Blue XXXX XXXX  XXXX, Missouri XXXX and told them that I didn't like the phone and wanted to returned it. I had all the equipment that came with it. I spoke with XXXX and she took all my equipment back including my phone and told me that I had a {$0.00} balance and that I didn't owe anything. XXXX has been bought out by XXXX and I have tried calling them and the outsource to advise them that I don't owe anything and that I returned my phone and equipment back before the 7 days ended. At this point I received a bill that I owe {$1300.00}. This is really effecting my credit report and I am unable to get anything done because this is harming my credit report so bad. I've been with XXXX for over 8 years and this is not right at all. The current company that has my file is Convergent Outsourcing.

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 2021-03-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion LLC is not complying with their own policies in a timely manner. Please see my attached dispute letters.

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 2021-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Spoke with Freedom Mortgage on payment of property taxes not being paid from impound account to XXXX XXXX XXXX Tax Assessor on due date of XX/XX/2021. They told me they will not pay them until a day before they become delinquent with the county. 

Freedom Mortgage is upset I am doing a re fi with another mortgage company for a lower interest rate and they are harassing me and my family. 

I paid my home owners insurance in advance for a year and they did not inform my mortgage company that I did that. 

My wife received several harassing phone calls from the Freedom Mortgage about my month payment which is paid every two weeks by payroll deduction directly to Freedom Mortgage.

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 2021-03-03 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: MD

Complaint narrative:
Several reports from the police department and notarized letters from the XX/XX/XXXX Court House have been submitted to all 3 credit bureaus to remove Fraudulent accounts that were opened. 

I have proven that based upon section 609 that it requires the companies to provide a contract bearing my signature and no such documents have been produced. I have sent in over 8 requests for deletion of these fraudulent accounts from my credit file. 

XX/XX/XXXX has successfully removed the negative items listed. 
I am awaiting the HARD inquires to be removed as a result of the fraudulent activity. 

Additionally, the credit bureaus have failed to provide accurate information within 30 business days starting from XX/XX/2020. According to the FDCPA and HIPAA collection laws the requested deletion must be honored and adhered to by law. Failure to do so has caused me financial harm and is a violation of my rights.

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 2021-03-03 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 — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I have perfect payment history and a low balance on my mortgage. Because of this my mortgage is bought and sold on a regular basis. NewRez mortgage bought my mortgage but my payment went to the old company. I was in constant contact with New Rez and even made a double payment as I waited for my payment to be returned from the old company. NEw Rez advised me this happens often and nothing would be report negatively against me. Unfortunately they did not stay true to their word. Upon review of my entire credit report you will see I have perfect payment history on all of my accounts for over 10 years.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Net Credit has violated Virginia 's Consumer Protection Law. The usury cap of 12 % applies to all consumer loans except for those made by licensed financed companies. Net Credit is not licensed in Virginia. The interest rate is set at 98 %. My loan was {$4400.00}. I have paid out {$6500.00} to this company. This company is still practicing lending in the state of Virginia, although it is illegal. This company has been emailing me every single day to continue making payments. They are preying on people who need help during desperate times and they need to be shut down. 

The company has reported late payments on my account since XX/XX/2020. I informed them that I had to take a leave of absence due to virtual learning for my children. They stated in an email that they would decrease my loan by 10 % if I set up a payment arrangement, but would not remove late payments that are damaging my credit. 

They want me to pay a remaining balance of {$2000.00} I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage company, Mr Cooper is not reporting our good payment history to the bureaus. They stopped reporting back in XX/XX/2018 when they changed names form Nationstar to Mr Cooper. They also as our mortgage company have been sending us refinance sales literature but when trying to refinance they tell us lies about why the bureaus can not give them a score. 

You see, we are debt free except for Mr Cooper who holds our mortgage. I have spent over 56 hours, about twenty letters to them and have only received two back stating we are worming on it. This has gone on long enough. My attorney has also received a letter that states, we acknowledge your letter, But wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have perfect payment history and a low balance on my mortgage. Because of this my mortgage is bought and sold on a regular basis. XXXX mortgage bought my mortgage but my payment went to the old company. I was in constant contact with XXXX XXXX and even made a double payment as I waited for my payment to be returned from the old company. XXXX XXXX advised me this happens often and nothing would be report negatively against me. Unfortunately they did not stay true to their word. Upon review of my entire credit report you will see I have perfect payment history on all of my accounts for over 10 years.

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 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is attempting to collect 2 charged off accounts from me. As it stands, every time I have contacted Bank of America they have not mentioned these accounts nor have they attempted to communicate any resolves to these charged off account with me. I had noticed last month a letter in the mail from some firm saying that Bank of America is suing me for the charged off debts and continues to send harassing mail. I have also noticed an increase calls and harassment to collect the debt, and am ready to proceed legally to end the harassment as I am already greatly overwhelmed by the effects of XXXX. 

I remember some months to a year letting Bank of America know of the hardships I was encountering during COVID 19 and them saying go two months behind in payments then offering me no options in terms of a payment plan that in no way worked with my financial hardship. I then offered a settlement amount based on what my XXXX wife and I could afford, but they would not take it nor would they work with me based on where I was at. 

I am now going through a much harder time financially and have been struggling to find a job, while taking care of my XXXX wife and take her to appointments, and/potentially now losing my car. The house may be foreclosed on as well. My wife and I recently took a XXXX medical bill after having to go to the XXXX being treated for a XXXX XXXX. Not to mention, several of my family members had XXXX and I ended up having to help them financially as well. 

All in all, I have had an outstanding credit score ( highest being over a XXXX credit score ) and been a loyal Bank of Member for over a decade now. I am writing this in good faith as I am doing my best to stay afloat during the pandemic and these charged off debts are getting in the way of accessing resources I may need to support my needs in the time. I am an upstanding consumer who has fallen on hard times during not only a pandemic, but one of the country 's worst economic/employment landslides of all time. 

Lastly, I would like to say I am aware that Bank of America has a history of attempting to collect on Charged/Written Off Accounts and had a class action lawsuit pursued against for these types of scenarios in particular. I do not wish to proceed legally as I am already overwhelmed by extreme hardship during XXXX, but I will proceed legally to protect myself as a consumer and American affected by 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 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I originally sold a phone through ebay for XXXX which the buyer paid through paypal. Paypal contacted me and said the buyer filed a dispute with their bank and the bank sided with the buyer. Problem is XXXX  shows the item delivered and paypal shows that I was paid, which I wasn't. Now paypal is contacting me saying I owe them money for ebay listing fees since the item was sold. Paypal withdrew {$180.00} from my account ( fees for selling this item ) and I never received the money for the actual sale. Paypal website shows I was paid the {$1700.00} and that the case is close. I tried contacting Paypal and XXXX to no avail. XXXX says the phone was delivered so now I'm out of a phone and the money with no help from Paypal or XXXX. Paypal is the problem since they are the ones withholding funds for a phone that was delivered.

Company response to consumer: Closed with explanation