vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My difficulty involves a Release of Lien that was never filed by my previous mortgage company, XXXX XXXX - Wells Fargo.

Now I am in urgent need of refinancing my home to get money out of it, and the Title Search shows this lien. This paperwork was never completed by the previous mortgage holder XXXX XXXX aka Wells Fargo. The lien was paid off when I refinanced my home in XX/XX/2004. They show the pay off date as XX/XX/2004. When they were paid off, somehow the Release of Lien never was filed with the XXXX  County Courthouse in Texas. I contacted Wells Fargo and I was informed that they would research it, a process that usually takes 30 days but they will try to get it done faster. The nice lady told me that faster will be by the end of XX/XX/XXXX and then another 7-10 days to get it to me. This is much to long a process. I need this done immediately and it should have been done nearly 14 years ago. On top of the long wait, I don't know if I am going to receive a copy of the 'filed ' Release of Lien or the original Release of Lien that I must then go file myself, a service which they probably charged me for many years ago.

When I made a payment late, they charged a late fee. I should get to charge them a late fee with interest for this 13 year 11 month fiasco.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My Mortgage with Bank Of America that I have now refinanced because of the situation added insurance on my mortgage even though proof was sent many times to them that I have insurance and never have been without it. I have made at least 5 calls to get this straight with them. My address number changed but everything else was the same. I sent them proof on 2 different times that is the same home financed not to mention every single year before and they never correct the address box number change .I have sent tax cards, 911 change everything possible. I decided to refinance with no issue at all with the address change. They sent me a portion of the insurance back but still owe me back pay of close to {$500.00} that was included in my payoff. I asked to speak with a supervisor and they said she was busy and that she would call me back and never did. I called them again and the person I spoke to and sent my proof of insurance to AGAIN said that it would be taken care of. Never have received nothing from them and here it is going on since XX/XX/2017. I have attached what I have sent them and they always have it on file when I call but still no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: VT

Complaint narrative:
XXXX XXXX XXXX XXXX Hours of Operation ( EST ) : XXXX to XXXX  Mon-Fri., XXXX to XXXX  Sat., XXXX to XXXX Sun. Company Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Disputes : Call XXXX or write to : XXXX XXXX XXXX XXXX, Disputes Department, XXXX XXXX XXXX XXXX, VA XXXX   Disputes E-Mail address : PRA_Disputes@portfoliorecovery.com This company continues to harass, has contacted employers like XXXX XXXX XXXX in XXXX XXXX XXXX costing me a job. While serving in the XXXX XXXX XXXX XXXX  at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company held up my security clearance due to Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX Merchant : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX. Creditor to whom Debt is Owed : XXXX XXXX XXXX XXXX Current Balance Due : {$900.00} by paying www.PRApay.com or XXXX pay by mail - checks n payment to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX   Offering Single Payment *pay {$310.00} and save {$580.00} if payment received by XX/XX/2018 this harassment has cost me several {$25000.00} to {$170000.00} XXXX XXXX, XXXX XXXX, XXXX XXXX it caused the lost of a relationship and XXXX children. I want the harassment to stop, reported this company to the Vermont Attorney Generals Offices throughout Vermont, was serving in the US Military when then pulled an illegal court date while I was out training in the desserts, of XXXX, XXXX, XXXX XXXX. This is a case of identity theft, they keep doing this around certain dates of birthdays with men with our names, many with my name have been contacted and told about this debt, this debt goes from {$1600.00} to {$900.00} to the offer of 1 time payment {$310.00} to pay it all off. I have paid more than that amount, have lost well over the amount this company, these scam artist attorneys or they claim that while sending out threats to employers, friend, men with similar names and I want this stopped immediately please. This debt is insecure credit card debt and in no way after what I have tried to clear this debt and have lost will it ever get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX   deleted this account how did they delete it if you verified it with XXXX   and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As ofXX/XX/XXXX item is reporting as 90 Days late. The item was paid in full and on time. I called customer service in XX/XX/XXXX regarding the issue but the item is still showing 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 2018-03-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
As ofXX/XX/XXXX item is reporting as 90 Days late. The item was paid in full and on time. I called customer service in XX/XX/XXXXregarding the issue but the item is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As of XX/XX/XXXX item is reporting as 90 Days late. The item was paid in full and on time. I called customer service in XX/XX/XXXX regarding the issue but the item is still showing 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 2018-03-19 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: NC

Complaint narrative:
I submitted an investigation request onXX/XX/XXXX. More than 30 days have gone by, and I have yet to receive the results of my credit investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: U.S. BANCORP
State: NY

Complaint narrative:
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I have an account on my credit report that caused me to be denied housing on XX/XX/XXXX. I contacted the agency who is listed : RENT RECOVERY SOLUTI Reported : XX/XX/XXXX {$1600.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$1600.00} Highest Balance {$1600.00} Opened XX/XX/XXXX( 7 mos ) Account status Open Type No Info Responsibility Individual Account.

Original Creditor Name THIRD PARTY XXXX Creditor Information RENT RECOVERY SOLUTI XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XX/XX/XXXXI disputed the information. Then in XX/XX/XXXX I called again to Rent Recovery and they told me to call another company, XXXX XXXX XXXX. But they're the company on my credit report and this other company has never heard of me.

I have a recording of the call.

I have disputed this with XXXX twice and they have " confirmed '' it twice. But XXXX says they are confirming my name and not social security number. So they asked them to verify mu social security number the the second time. They " confirmed '' but it's IMPOSSIBLE because I've never leased with them. Nor are they supplying the social security number they have.

I have owned my house since XX/XX/XXXXthat I'm now trying to sell. Also there isn't an inquiry for when this " account '' was opened in my credit file to have alerted me to something even going on in my name, which I don't think is the case, as when I call Rent Recovery, giving them my social and other information they don't have account and refuse to speak to me. But I can't get them off my credit report either.

I would really like to be able to stop sleeping on the floor of a friend 's place and get my own. But this is preventing me from having a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XX/XX/2018 made contact with creditor that this account is not my and I have never requested such loan and was referred to make a complaint on line with the FTC and they do not want to take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: NC

Complaint narrative:
I submitted an investigation request on XX/XX/XXXX. More than 30 days have gone by, and I have yet to receive the results of my credit investigations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: IL

Complaint narrative:
Applied for a XXXX XXXX  secured credit card on XX/XX/18. Funded with XXXX of {$1000.00}. Review of bank acct shows {$1000.00} was deducted twice with two separate transfers for a deposit of {$2000.00}. Checked with company who has no information re : deposit or application. XXXX XXXX now wants another {$1000.00} now to process application.

Contacted XXXX XXXX to resolve issue, unable to locate deposits. ( XXXX XXXX XXXX transfer reference # 's available showing both transfers to XXXX XXXX ). XXXX XXXX Incident reference # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I have made many attempts to have these 2 collections removed from my credit report, and this company refuses to take them off or investigate. I have never received or got any services with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: MI

Complaint narrative:
I have disputed inaccurate information with XXXX  XXXX and Equifax for 3 months regarding accounts that are not mine. 

XXXX Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/XXXX our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened between XX/XX/XXXX and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save , and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This complaint is associated with complaint XXXX. XXXX XXXX unlawfully and fraudulently billed me {$490.00} for a future service I do not need and do not want. I have now uncovered that XXXX XXXX somehow unlawfully obtained my credit card information as I did not provide them with this credit card. It appears that either the Credit Card company illegally provided XXXX XXXX with my credit card number or XXXX XXXX obtained it on their own in an unlawful way. I have reported this as fraud and my credit card company refuses to remove from my billing and it is a lot of money. The fraud is also appears obvious as XXXX XXXX sent the credit card company documentation that has nothing to do with the forward billing of {$490.00}.

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 explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Syncb Inquiry from XX/XX/XXXX XXXX XXXX XXXX Syncb Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX  I did not do this, please take off my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery has made numerous attempts to collect a debt that I no longer owe. They list several accounts under my name with an original creditor of XXXX XXXX XXXX XXXX First of all, the original provider failed to bill Medicare per contract. After the statutory time elapsed to file a claim, the original provider turned over the accounts to collection. I settled this account for a lesser amount with an earlier collection agency in order to remove it from my credit report. That agency represented XXXX XXXX and was called XXXX XXXX. There is no further obligation on my part -- if Midwest Recovery purchased these accounts, it was to their detriment as the accounts were settled long ago. 

I have asked Midwest Recovery to validate the debt and they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
Received MasterCard from Bank of America I did not request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I lost my house to foreclosure and lost my checking account record 's and I can not prove any payments pnc bank will not provide old statements please help me get copies of statements for XX/XX/XXXXand XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I refinanced my student loans in XX/XX/XXXX. The refinance is with XXXX ( XXXX XXXX XXXX ). They made a payment of {$67000.00} on my behalf on XX/XX/XXXX to American Education Services, my previous loan servicer. This created a credit balance of {$3800.00} on my account. 

AES claimed this balance would be returned within 30 days from the date of the final payment, meaning I should have been credited the amount by XX/XX/XXXX. I have still not received this money, nor has my new servicer XXXX XXXX XXXX. Today is XX/XX/XXXX. 

I've contacted AES several times, by phone and by email through their website. I've been given multiple different stories about what is happening with my account and where the money is. I was told by XXXX, employee ID XXXX, over phone, that a check was cut on XX/XX/XXXX for {$2200.00}, but this amount is not for the full credit owed, and so far neither I nor XXXX XXXX XXXX has seen this check. 

I was also told that my account was submitted for financial review on XX/XX/XXXX 

I received a secure email from AES on XX/XX/XXXX,  reference ID XXXX, informing me they would refund {$3800.00} to XXXX XXXX  based on payments made " on XX/XX/XXXX and XX/XX/XXXX '', but so far no payments have been received by XXXX XXXX, and, worryingly, this statement from AES references a payment on XX/XX/XXXX, when no such payment exists. The final payment on my AES account was XX/XX/XXXX. 

This repayment is now more than a full month delinquent, and as a result I am paying interest on nearly {$4000.00} more than I should be.

Company response to consumer: Closed with explanation