vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
There have been a multitude of problems with this account. First the most important is that for 1 year they have not fixed the issue of applying funds correctly which is about   XXXX   in funds they did not apply as requested and applied to fees I disputed and have proven to them multiple times I did not owe or were paid to previous servicers in the past. Previous servicer mishandling of funds is something the servicers need to handle and with one that went out of business and was involved in the class action lawsuit CFPB filed against them for fake forced placed insurance and another that I am in class action lawsuit against for misdated paperwork causing harm. Now also the latest with BSI and all is attached for for proof. I had sent in a payment of  XXXX  and told them to apply the   XXXX   in unapplied funds they had on there to complete the payme nt of    XXXX  . They did not do that but is was specified on payment coupon and also faxed them copy of what was supposed to be done on  XXXX  XXXX /17. On  XXXX / XXXX /17 as soon as I saw that they did not apply correctly I called   XXXX  . I requested the funds be applied correctly. The Customer care rep said she could not help me and transferred me to   XXXX   XXXX   to my contact   XXXX   XXXX  . I had sat on hold for 12 mins and previous to that call sat on hold for another 15 mins. Now   XXXX   XXXX   who was supposedly my contact has never once contacted. He never returned my phone calls. Then on  XXXX  XXXX /17 a letter that was delivered on  XXXX / XXXX /17 all of a sudden changes my  SPOC  to   XXXX   XXXX  . I requested someone call me so that I make sure payments applied correctly and if they were not going to apply the  XXXX  and  XXXX  correctly which is attached they need to stop reporting delinquent. They are over {$6000.00} funds applied to bogus fees I have never agreed to applying my funds too and that is attached. This account should not be 101 days delinquent. The games that BSI plays is astounding. CFPB there are over 1000 complaints about this company when are you going to do something. This is not a one person issue it is thousands being abused here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc.
State: AL

Complaint narrative:
I received a wage garnishment for   XXXX   XXXX     XXXX   using my SS # and my address. I have no idea who this person is. I contacted the collection agency and they could n't give me any details, other than I need to file a dispute but my wages could get garnished and then refunded if my dispute is deemed credible. I have submitted a dispute to the dept of education on their website but I have no idea how long this will take. I ca n't get any information about this   XXXX   XXXX   XXXX   XXXX    loan documentation. I do n't even know what to do next! Help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 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: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
Upon setting up my online account I m ixed up two number s on my bank account. Because of this mistake my payment was returned. Since this was a typo setting up my account I called the credit card and asked if they can return the {$25.00} I was told they can not return to fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-17 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: IN

Complaint narrative:
Experian is reporting a   XXXX   XXXX   XXXX   credit card account on my credit report that does not belong to me. The account number listed on my report is "  XXXX ******  XXXX   '' with an open date of  XX/XX/XXXX . It is currently being reported as a " settled charge off ''. I have sent disputes on XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  and to this date, Experian has not properly investigated into this situation to remove this account. This account was previously also being reported by   XXXX   and  XXXX  before I started disputing it. They deleted it promptly after it was found that it was not my account so I can not understand why Experian keeps turning away my disputes as frivolous. How can Experian get a different investigation result for the same dispute with the other   XXXX   credit bureaus? I have called   XXXX   XXXX   XXXX   and there is n't even record of this account when I speak to them, so this makes things even more confusing.

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 2017-07-17 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: PA

Complaint narrative:
I have been working to restore my credit in order to qualify for a mortgage. Recently I paid off an old charge off and my credit score namely  my FICO2 w hich is used by lenders took a severe hit. I started the month of  XX/XX/XXXX  at a  XXXX . In an effort to increase my score I paid off an old charge in full. My score was then dropped by the   XXXX    agency to a  XXXX . The explanation offered by  XXXX  was because I had paid on an old account that it warranted my score dropping even though the account was charged off for 2+ years. This does n't make sense since I had also paid off prior charge offs in the months of   XX/XX/XXXX      and  XX/XX/XXXX  and my score increased. But it gets worse. It 's public knowledge that  XXXX  was going to remove Civil Judgements if they did not have a social security number associated with them. I had a civil judgement from   XX/XX/XXXX   ( which was satisfied in   XX/XX/XXXX  ) r emoved from my credit report on or about  XX/XX/XXXX .    My FICO2  score dropped another   XXXX    points to a  XXXX . I have attempted to reach out to the  XXXX  Agency for an explanation into their scoring methodology. They can not explain such a large drop in less than one months time. Nothing else on my credit report has changed. No new debt or derogatory items were reported. I find this whole process to be inequitable and inexplicable. Like many Americans I ran into financial difficulty during and after the financial crisis. I am only attempting to qualify for a mortgage like I had prior to the crisis. I never had a bankruptcy or foreclosure. Despite doing the right things and paying old debts my score continues to drop. How is this fair to the consumer?

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 2017-07-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been working to restore my credit in order to qualify for a mortgage. Recently I paid off an old charge off and my credit score namely   XXXX   XXXX   which is used by lenders took a severe hit. I started the month o f   XX/XX/XXXX    at a   XXXX  . In an effort to increase my score I paid off an old charge in full. My score was then dropped by the   XXXX    agency to a  XXXX . The explanation offered by   XXXX   was because I had paid on an old account that it warranted my score dropping even though the account was charged off for 2+ years. This does n't make sense since I had also paid off prior charge offs in the months of   XX/XX/XXXX  an d   XX/XX/XXXX     and my score increased. But it gets worse. It 's public knowledge that  XXXX  was going to remove Civil Judgements if they did not have a social security number associated with them. I had a civil judgement from   XX/XX/XXXX  ( which was satisfied in  XX/XX/XXXX   ) removed from my credit report on or about   XX/XX/XXXX .    XXXX   XXXX   score dropped another   XXXX    points to a  XXXX . I have attempted to reach out to the  XXXX  Agency for an explanation into their scoring methodology. They can not explain such a large drop in less than one months time. Nothing else on my credit report has changed. No new debt or derogatory items were reported. I find this whole process to be inequitable and inexplicable. Like many Americans I ran into financial difficulty during and after the financial crisis. I am only attempting to qualify for a mortgage like I had prior to the crisis. I never had a bankruptcy or foreclosure. Despite doing the right things and paying old debts my score continues to drop. How is this fair to the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/ I XXXX XXXX XXXX spoke with XXXX XXXX from Capital One mortgage on a recorded line and was told the reason that I was denied a conventional loan was because of lack of installments such as a car payment or furniture payments. I was told by a XXXX XXXX  that He would look into this talk to his manager and try to get my loan manually looked at by an underwriter. I request a callback from XXXX XXXX and five hours later he called me back rudely told me " Im not lying to you this is how I get paid and XXXX you are NOT going to get the loan. '' Our call got disconnected he never called back. I an hour after being on hold talk to XXXX  who fowards my information to manager XXXX who procedes to tell me that I am indeed denied and because of my lack of credit lines open my use of credit on one of two credit cards was not enough to prove credit worthiness and that ratio of my use of these credit cards are too high of a percentage of credit debt and that this killed my chances of getting a loan. My compliant is that I was givin the run around for several hours told two different reasons of why I was turned down from loan and I was talked to very unprofessionally and I was never asked for provide proof of any of my information on my loan application. Apparently XXXX submitted my loan to underwriting but when he spoke to me the second time today he failed to mention this fact which led to me holding on the phone for 55minutes to speak about my application with XXXX. I am distraught that my chances of getting my home have been completely dashed and my time has been wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: DISCOVER BANK
State: IL

Complaint narrative:
Discover refuses to remove unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times and they were never able to validate this account. I was given no evidence of my obligation to pay this debt to this credit card company.
They are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or  XXXX   XXXX , unfamiliar with handling their own finances.
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Im also contacting Adult Protective Services for help.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On  XXXX   XXXX , 2017 I had filed dispute compliant with TransUnion about inaccurate amounts on my credit report from   XXXX   XXXX    Dispute claim file :  XXXX  or  XXXX . ( see attachment ) Trans Union refuse to remove inaccurate amounts on my credit report the results I received by letter " verified as accurate '' with   XXXX   XXXX  .TransUnion did received my supporting documents by priority mail ( see attachments ) I truly believe TransUnion unfair decision, because I had canceled my monthly membership with TransUnion. Whenever, I would call TransUnion inquiring about my dispute. With every phone call I am always asked to purchase their credit alert plan. ( see attachment )   XXXX   XXXX  . purchase accounts though a vendor to collect with consumers with duplicating amounts also adding invalid amounts to a consumers credit reports with the credit bureau ( s ).
TransUnion and   XXXX   XXXX   are aware about the inaccurate amounts both have the illegal agenda to gain monies along with damaging my credit for 7 or more years.
Listed are the amount   XXXX   XXXX   is trying to collect invalid amounts : {$160.00} {$160.00} ( duplicate amount ) {$130.00} {$250.00} {$210.00} Total amount {$940.00}

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 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: NY

Complaint narrative:
This is an incorrect charge on my credit report. Equipment was returned to  XXXX  on  XXXX / XXXX /2015 to a  XXXX  representative.
This item was previously removed from my credit report but was sold to another party and added back. The previous company reporting this item acknowledged   XXXX    error and removed the item. I would like this item removed and barred from being added by yet another party, as they seem to just sell the account to someone else after it is removed.

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 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: MS

Complaint narrative:
On  XXXX / XXXX /17 I have tried to send a dispute letter to NCAC to the address which was on my credit profile which is   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX    TX. XXXX  for the amount of {$4300.00}. I have received the letter back stating undeliverable. They are reporting inaccurate and false information about me to the credit bureaus. I can send proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XXXX XXXX, 2016, I submitted a formal cancellation notice to XXXX XXXX XXXX XXXX, a massage therapy company which operates in multiple States across the US. The arrangement is that customers sign up and pay a monthly fee of {$59.00}. The contract that I entered into was a " month-to-month '' agreement, which was subject to cancellation by the customer with 30 days written notice, which I submitted, at the direct instruction of the Company on XXXX/XXXX/2016. However, XXXX XXXX XXXX refused to cease the monthly billing to my XXXX XXXX credit card. With the assistance of XXXX ( I reported this practice as fraudulent to XXXX ), I was able to have XXXX XXXX XXXX removed as an authorized creditor with charging rights to my XXXX credit card account.
Beginning about six months ago, I began to receive progressively more aggressive phone messages from XXXX XXXX XXXX demanding payment of {$230.00}. Three months ago, XXXX XXXX XXXX turned this matter over to their collection company, Transworld Systems , Inc., which has been hassling me regularly via mail since that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: TX

Complaint narrative:
TransUnion is in violation of FCRA Section 623 and FCRA Section 611 Part ( A ) ( 1 ).
On  XXXX   XXXX , 2017, TransUnion signed for a certified letter that I sent formally challenging the accuracy, compliance and reportability of information on my credit report regarding   XXXX   accounts from   XXXX   XXXX   XXXX   XXXX  . I requested them to validate this information and provide me with copies of any documentation bearing my signature. I also notified them that I was aware of FCRA Section 611 ( a ) ( 1 ) ( A ) and that I would be keeping records INCLUDING their method of verification and that I do not consent to   XXXX   or any means of automated verification.
On XX/XX/XXXX , I received an updated copy of my credit report with a cover letter that included a statement that I could " ... also request a more detailed description of how the investigation was conducted along with the business name, address, and phone number of the source information. '' I had already included that request with the initial letter. There was no documentation of this verification, including no documentation of my signature or proof that these alleged accounts were mine.
On  XXXX   XXXX , 2017,  XXXX  signed for another certified letter I sent advising them that I was formally requesting a description of the procedure used to determine the accuracy and completeness of the information, and that it should be provided within 15 days of the completion of the reinvestigation. I requested the name, address, and telephone number of each person they contacted regarding these alleged accounts.
On   XXXX    XXXX , 2017 I received a copy of my credit report with the same stock cover letter that stated, again, I " ... may also request a more detailed description of how the investigation was conducted along with the business name, address, and phone number of the source information. I have not received the documentation from the original request of XX/XX/XXXX  as requested. They have also failed to provide the documentation from the 2nd request of XX/XX/XXXX . There is no proof valid verification took place, which should include the name, address and phone number of whom they received the information from, and what information was received to verify these alleged accounts, including any document bearing my signature.

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 2017-07-18 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Macy 's refuses to remove unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times and they were never able to validate this account. I was given no evidence of my obligation to pay this debt to this credit card company.
They are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances.
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Im also contacting   XXXX   XXXX   XXXX   for help.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

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 2017-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I called the bank repeated on X/XX/2017, after receiving their notification. I was told that I would receive a call back from executive relations, but did not receive that call. I did speak to a reputed supervisor, XXXX XXXX XXXX, who was both rude and unhelpful.
The account is under my name, acct XXXX XXXX.
PNC debited my account for {$35000.00}, corresponding to two checks deposited via an ATM. These checks were issued when a mutual fund ( XXXX XXXX XXXX XXXX ) closed, and I was the owner of record on two accounts. The first check was for {$14000.00}, and was issued payable to me and XXXX XXXX, my wife, as XXXX. The scribbled explanation for the debit was a checkmark next to " Payee not on account '' ( I certainly am ), and " not a trust acct '' scrawled in below that.
The 2nd check was {$21000.00} payable to " XXXX XXXX XXXX '' for my son XXXX XXXX  XXXX. The checkmark here is next to " Other '' and the scrawled comment says " not custodial account. '' In fact, the mutual fund was a custodial account, and the check is payable to me.
I would like the checks returned immediately, and would like to close my account with PNC and be issued a check for the remaining balanace, since PNC appears to be unable to accurately and politely execute standard banking practices.
Copies of these sloppy items can be provided as needed, if copies were not retained by PNC.

Company response to consumer: Closed with explanation