vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. I had my sale postponed for only a few days until they placed it again for foreclosure sale on XX/XX/2020. This does not give us enough time for a review or even get everything in order. We did what we would and sent in all documents for a loan modification. Why is it so hard for a bank/ servicer/ investor to try to work with the borrower and provide a modification mortgage payment that we can afford? We are willing and ready to make the payments but we have not had an offer. 
Let me explain my previous situation that has put us in this horrible place with fees and over dues. From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX  XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX   XXXX, whoever they are. 
I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXXXXXX XXXX XXXX XXXX BY XXXX XXXX XXXX XXXXXXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXXXXXX XXXX XXXX XXXXXXXX, AS XXXX XXXX  XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, AS XXXX XXXX  XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX  XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My bank will not let me connect my account to any other online financial entities via the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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 pulled my Credit XX/XX/2019 I did not authorize them to do so! Please help me on updating this information 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 2020-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: NY

Complaint narrative:
Ive been under contract on a home since XX/XX/2020 and working with American Financial Network for the mortgage loan. On XX/XX/2020 I was informed by my mortgage rep XXXX XXXX that the underwriter was going to deny my loan with only 13 days left to the closing date. She offered no solutions after making so many promises but as a first time home buyer, I guess I didnt know any better. Needless to say, I immediately asked for the denial letter and started shopping for another lender. I have found another lender and need to have the FHA case number/appraisal transferred as well as the denial letter from American Financial Network. I am not only being ignored by loan officer but she then had the nerve to say the loan hasnt actually been denied and that Id have to wait for the letter before she could transfer the file. It is now 12 days till closing, I have sent numerous emails to her and others such as managers and branch relations. If my loan was denied why is it that Im not being provided with the official denial letter to protect me and my earnest money deposit that was given to the seller. Why am I being so mistreated. Its starting to make me wonder if the loan officer has a personal issue with me based on my demographics because she has been non responsive and our communication has been horrible from the beginning of our business transaction. She also had the nerve to ask if I wanted to just cancel the loan with them and risk losing my earnest money ( her words and yes, I have the emails ), of course I replied NO, do not just cancel my loan. At this point, I just want the denial letter to be issued and to be done with this company. I am now 12 days away from closing and I need to move forward ASAP. Maybe by making this complaint, Im shedding light on the injustice thats being done to people like me, people of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I deposited a paycheck into my Bank of America Checking account. I deposit the same check every month via Cell phone and its made available in 1-3 days. I have been with the bank for over 10 years and have no history of over withdrawing the account. 

I deposited a check for {$3000.00} on XX/XX/2020 from my business account at XXXX. The check cleared my business account on the XXXX but BOA put a 7 business day hold on allowing any of the funds into my account. I went into a branch to request a release and they told me they can not tell me why a hold was placed and there is nothing they can do about it. They are holding the funds until the XXXX for no reason they could give me.

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 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
Good Evening I placed an order by error in my XXXX account in XXXX. The order number is : XXXX and the item number is : XXXX. Three weeks ago I returned to the seller this item through USPS and tracking # is XXXX. The seller confirmed to me he received this item and I got delivery information from USPS systems. The name of the seller is XXXX from XXXX company in XXXX   XXXX, CO. In addition I called to his business and they confirmed they have received it. I have contacted the seller, several times, for a full refund and he keeps saying that " he already refunded to my credit card '' the total cost ( {$31.00} ) for the returned item ( attached you will find evidences of email from the seller and statement from my PenFed Credit Card account ). I tried to request a refund through XXXX but the returning case was closed by ERROR on my side. XXXX informed to me that I have to contact the seller directly. I have contacted the seller several times. As of today I have not received my full refund back to my PenFed credit card account from the seller. I called the seller to follow up on the refund and all he says that the amount have been refunded. As of today I have NOT received my refund. I requested a dispute with PenFed but they made some errors processing my first dispute ( since XXXX ) and yesterday XXXX I had to request a second dispute to them. As of today my case have not been resolved. I have considered to request a police report against this seller ( if you go to XXXX the seller and his staff have horrible reviews ) but I wanted to try to solve my issue through the CFPB. I will appreciate if you can intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
CITI Charging Cash Advance and Interest Fees on XXXX Transactions Card : AT & T Universal Card - Mastercard As of XX/XX/2020, CITI appears to have started charging cash advance and interest fees on XXXX transactions. I have used XXXX for over a year with it linked to my credit card and they never previously assessed these fees. As of my recent statement starting XX/XX/2020, I am now being assessed cash advance and interest fees. More importantly, I never received any notification from CITI about in change in terms and them starting to assess fees on XXXX transactions. 

I contacted CITI multiple times and all representatives insisted that charges for cash advances has always been part of the card terms. I informed them that I have never previously been assessed a cash advance fee for XXXX transaction, and they refused to acknowledge that fact. Rather, they put the blame on XXXX and said the merchant needs to fix their integration with XXXX. I've been using these same XXXX merchants for a year and this was never a problem previously. 

In all, it seems that CITI is scamming its customers and refusing to acknowledge the change on their end.

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 2020-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In 2019 is the year I was charged {$2000.00}, on my Capital One Credit Card Which is false If anything at least it should be XXXX there was fraud on my account. I have called in more then 3 times each time no one could help me they said I owed and have to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex wrote to me to say that if the balance on the prepaid card ws not used it would be sent to New York State. I asked what the balance on the card was. Amex did not respond ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
FAIR COLLECTION AND OUT ( I assuming its a collection agency ) call me several times to collect the amount of {$2400.00} and {$500.00} claiming that I owe that money to XXXX XXXX XXXX XXXX locate at the state of Virginia and I explain a thousand times that I never live in Virginia State, every time that they call they try to collect my information with the excuse to verified my information but I never give to then. 

I don't Know how I can stop this collections ... they also report to my Credit and its affecting me big time, they don't want to hear what I said when I explain that its a Fraud and they still calling me and reporting to all credit boar. 

Please How can I stop this FRAUD 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 2020-07-24 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: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
I Contacted Consumer Portfolio Services about a Negative Item that they are Reporting on my Credit Report ... 

The Negative Information is a Car Loan Account XXXX ... which was Fully Paid on XX/XX/2015 ... 

On my Credit Report..they show a Late Payment on XX/XX/2015 even though they received a Payment of {$4200.00} on XXXX XXXX and they Accessed an Interest of {$170.00} on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: NY

Complaint narrative:
Experian accused me of not submitting my own complaint, and did not look into the fraud items

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 2020-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone stole mine and my husban thd 's identity. I have disputed this account four times.still it remains.I told them I want written proof of this loan being ours nothing.its hurting our credits scores everyday it's on there.the number that they report on this account is not working, I had to research it to find a working number .When I did get a hold of Regional Acceptance they showed very little interest in setting this straight Thank you for your time.

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 2020-07-24 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first  established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I use three financial online/apps and all of a sudden all three are not able to connect to my PNC Checking Account. 
The three are XXXX, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-24 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone opened a fraudulent card in my name. I have been trying to resolve this since XXXX. Chase investigated, but told me I was responsible even though I proved I did not live at the address at the time. They refuse to absolve me of responsibility for the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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