vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX I was made aware of a collection notice for a company called IC Solutions. This company stated that I owed a bill of {$210.00} to XXXX from XXXX and XX/XX/XXXX. I called XXXX ( XX/XX/XXXX ), and I was transferred to young man named XXXX who found my account, could see where I turned in my equipment on XX/XX/XXXX ( I have this receipt ) at the local branch. He stated that he could see my last payment on XX/XX/XXXX for the period ending XX/XX/XXXX, and stated that I should have been billed a pro-rated amount from XXXX. XXXX also stated that he did not have the authority to credit that amount and that he would escalate to his supervisor that would call me back before XX/XX/XXXX. After receiving no phone call, I called back on XX/XX/XXXX and was escalated to the complaint department, they then told me that they could not credit me and that IC Solutions had to do so. They also stated that IC Solutions had all of the account information. On XX/XX/XXXX I called IC Solutions who then told me that they had to get the information from XXXX and that they would open an investigation. On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX. That complaint was answered with a mailing from IC Solutions with statements from XX/XX/XXXX, and XX/XX/XXXX. The two months following my equipment turn-in, and cancellation of service. I did not have a contract, and was billed for services not rendered. This is fraudulent billing, and it is being reported to the credit agencies, which is a violation of the FCRA. I have documentation showing that I turned in my equipment and cancelled my service XX/XX/XXXX and was billed the following two months. If you look at XXXX  there are countless complaints of IC Solutions reporting inaccurate information to the credit reporting agencies. I have attached documents that include my receipt for picking up and returning my equipment, payment on my last bill and emails from XXXX for coming into the branch and returning my equipment, and an email from a phone call made after I paid my payment thru XX/XX/XXXX. on this call I was told that I would receive a pro-rated bill for XXXX. This bill also shows that I was billed for XXXX and part of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I called into Shell Point Mortgage to ask about an property tax refund that was in the escrow account since XX/XX/XXXX ( {$8500.00} ).  They said that they would take care of it and send me a check right away. 
I hear and see nothing for weeks so go through their chat service on XX/XX/XXXX. They said they had to evaluate the escrow balance and then send the surplus. 
I get a mail response on XX/XX/XXXX saying that they will refund me {$7700.00} and that the check was included in the piece of mail. It was not. They included a sample fake check which I can not cash. I send them another message on XX/XX/XXXX but it's an email since their hours of operation are closed ( no phone, no chat ). 
On XX/XX/XXXX I receive a letter in the mail saying " due to the complex nature of the matter '' that they request more time to fully respond to my inquiry. The letter was dated on XX/XX/XXXX. 
Shell Point Mortgage has repetitively put off giving me my money and has held onto it for 2 months. They had it for a month and didn't mention anything to me or send a refund.They said they sent a check and the account says it's gone, but they didn't send a check and instead send a fake sample check. They are avoiding paying me and paying me interest since there is no check and they are hoping I don't notice and they have to send a new check. They are abusing me and my money. 

NewRez LLC dba Shellpoint Mortgage Servicing XXXX. XXXX XXXXXXXX XXXX, SC XXXX Main Office NMLS ID # XXXX NewRez LLC dba Shellpoint Mortgage Servicing XXXX, TX Branch Office NMLS ID # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have consistently tried to remove XXXX XXXX from my Paypal account. For 2 weeks now, it has literally told me " sorry we cant process this request. Try again later '' EVERY TIME. Paypal REFUSES TO ALLOW ME TO REMOVE MY XXXX XXXX ACCOUNT FROM MY ACCOUNT. 

Why does this bring me to file a complaint? Well because I have tried and tried again to remove it and Paypal wont let me so I added my XXXX XXXX XXXX  account to my Paypal account and set THAT as my preferred form of payment. I should've been straight even tho it refuses to remove the XXXX. I have manually set MY PREFERRED form of payment to be my XXXX XXXXXXXX XXXX  card. 

I ordered some XXXX  and used my Paypal ( that supposed to deduct the amount using my XXXX XXXX XXXX ), instead of it charging my XXXX XXXX account, it charged my XXXX XXXX account that I have purposely XXXX  out so that I can close it. 

I tried contacting Paypal numerous times and they force you to use their resolution center instead of being about to talk to a live person for an emergency such as this. I submitted the dispute and have yet to hear from them meanwhile XXXX XXXX is charging me late fees and I'm getting messages about hits to my XXXX CREDIT score. So not only is Paypal and XXXX messing up my money, they are interfering with my personal and business credit. All because they failed to honor MY setting. 

Now XXXX is saying that that negative balance is going to sit on my account, hurting my XXXX  credit score every day its there until Paypal decides to respond and fix this. 

I will be severing ties with them both after this because I see I can not trust using these financial institutions for business or personal finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I contacted XXXX XXXX XXXX  back on XX/XX/2020 to validate a debt that was showing up on all 3 of my credit reports. XXXX XXXX informed me that they sold the debt and refused to remove the account from my credit files. I also contacted LVNV Funding in writing on several occasions and I have not received validation of the debt or anything in writing from both of these companies and the debt remains on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I walked into a CitiBank branch located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX on XX/XX/2020. I sat down with a branch rep named XXXX XXXX. There were advertisements posted all over the wall of the branch marketing the " Citi Priority '' banking product which would offer a promotional deposit of {$700.00} into the account after conditions were met : 1 ) Within 30 days of account opening, deposit {$50000.00} into the qualifying account 2 ) Maintain the {$50000.00} balance for 60 consecutive days 3 ) Payout of the promotion is 90 days after minimum requirements are met In effect, I had to maintain {$50000.00} in a low-interest savings account for 150 days ( 5 months ), in order to receive the payout of {$700.00}. 

That payout was due last week. I called the bank to see why I hadn't received my payout, even though I had made close to no interest on {$50000.00} that was in their money market account. 

They told me they will launch an investigation. A day later, I noticed something strange. Whenever I would login to my Citi account, it would recommend I upgrade to " Citi Priority '' to get extra banking benefits. That was really strange since I had always been on Citi Priority up to that point. 

After a couple of days, I received an quite shocking update to the investigation : I was told that I never signed up for the " Citi Priority '' account package, instead having signed up for an inferior " Citibank '' account package. This account would have been eligible for a reduced {$400.00} payout, with a {$10000.00} minimum balance, but that promotion was never applied to my account at opening. 

These guys literally switched my account type on their end, retroactively modified all my e-bill statements, and claimed I never signed up for the Priority account package in the first place. They XXXX me out of the conditions to get the {$700.00} bonus. 

Thus, I wasted 5 months worth of interest on {$50000.00}, and received neither the {$400.00}, nor the {$700.00} promotional payout. 

This bank makes business by lying and deceiving its customers. Classic bait-and-switch tactics.It is infuriating, and they need to be brought to justice.

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 2020-07-30 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: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
The Mortgage servicing company is Dovenmuehle XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS ID XXXX XXXX The loan number is XXXX My name is XXXX XXXX I never requested to be signed up for forbearance plan, I only acquire for the program. I have been paying all my payments on time. I have messaged on their website a several times, no response. I have called them after several attempts finally was able to get hold of a person who was overwhelmed and impatient.She will stated will note my account and I should receive a letter within 30 days which I have not received. 
Their negative status of my mortgage will prohibit me from a future refinance or a new loan. 
i would appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
This is a follow-up complaint to my original complaint # XXXX. My attorney had to send another letter to Barclay. On XX/XX/2020 Barclay responded to my attorney, Ms. XXXX ( only after filing a complaint with you ). My attorney had originally wrote to Barclay back in XX/XX/2020 with no response. In Barclay 's XX/XX/XXXX letter to Ms. XXXX a letter addressed to me ( XXXX XXXX ) dated XX/XX/2020 was enclosed. This letter references attachments, which were not provided to Ms. XXXX. Overall, I NEVER received this letter from Barclay. So, we are still at square one. We do not have any documentation / proof of what the original loan agreement says, how much has been paid toward the loan, where Barclay comes up with the interest. And even though they offer to remove the interest and add a {$100.00} goodwill statement to my account, I never officially received a letter from them and I do not believe they credited the most recent payment I had made in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
I opened a business banking account with XXXX in XX/XX/2020. I received a SBA loan and was approved. They asked me to see a copy of my original loan application from a 3rd party. I provided my signed disclosures for the loan as it was approved they returned my funds back to SBA without my consent. When I reached out to the bank I have not received a response. They discriminated against me. I told them I have never heard received a call from XXXX bank until my funds were deposited. They told me they thought it was fraud. When I provided my documents they still wired my money back without a explanation. I informed them my information has been confirmed through SBA. I am not requesting any products from them why are they asking me for my taxes and what do they intend to do with it. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: FBC MORTGAGE, LLC
State: SC

Complaint narrative:
XXXX/FBC mortgage reported to the credit bureaus that I was 30 days late on a payment, which was reported on XX/XX/2020 and yet my loan was paid off on XX/XX/2020. After 20+ phone calls to XXXX I did not get one satisfactory answer as to when this late payment was. I filed 3 different disputes with XXXX and received the same uninformative answer which was their report was correct and no proof or date of said late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My complaint is regarding PNC Bank access to linking to third party apps via the XXXX service. Theyre one of the top banks listed but for some reason, they only allow themselves to be linked to specific apps, despite many third party apps supporting XXXX and giving the option to link PNC. Some apps go through without a hitch and others fail every time whether their two factor authentication is enabled or not. This needs to be corrected and I almost guarantee its all dependent on who pays PNC to allow it. In this specific case, the app is XXXX but I also had the same issues linking to XXXX while no issues at all with the XXXX app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted the Compliance Challenge for metro 2 to experian as you'll see in the below pdf. 

They never responded to the letter of challenge for the negative items and its now XX/XX/XXXX ( OVER 56 days ) VIOLATION # 1 they  fail to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive information from the creditor within the first 30 days ). 
Consumer protection afforded by the FCRA FCRA Section 611 Part ( A ) ( 1 ) They never removed the accounts after being shown the inaccuracies with there reporting from the below either. 

VIOLATION # 2 Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy. 
Defamation, willful injury FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ). 
Extent of damages incurred by the wronged party, as deemed by the courts. 


These are VIOLATIONS and they HAVE TO PAY NOW. I've attached the images of the disputes that were initiated in the time frame. They never even initiated a dispute and they never even responded. They also never removed any of the information after being sent the proof of inaccuracies.

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 2020-07-31 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: MI

Complaint narrative:
bank has made it so im not able to link my account to any other payment site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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:
The Mortgage servicing company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS ID XXXX XXXX The loan number is XXXX My name is XXXX XXXX I never requested to be signed up for forbearance plan, I only acquire for the program. I have been paying all my payments on time. I have messaged on their website a several times, no response. I have called them after several attempts finally was able to get hold of a person who was overwhelmed and impatient.She will stated will note my account and I should receive a letter within 30 days which I have not received. 
Their negative status of my mortgage will prohibit me from a future refinance or a new loan. 
i would appreciate your help.

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 2020-07-30 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:
The Mortgage servicing company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS ID XXXX XXXX The loan number is XXXX My name is XXXX XXXX I never requested to be signed up for forbearance plan, I only acquire for the program. I have been paying all my payments on time. I have messaged on their website a several times, no response. I have called them after several attempts finally was able to get hold of a person who was overwhelmed and impatient.She will stated will note my account and I should receive a letter within 30 days which I have not received. 
Their negative status of my mortgage will prohibit me from a future refinance or a new loan. 
i would appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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:
The Mortgage servicing company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS ID XXXX XXXX The loan number is XXXX My name is XXXX XXXX I never requested to be signed up for forbearance plan, I only acquire for the program. I have been paying all my payments on time. I have messaged on their website a several times, no response. I have called them after several attempts finally was able to get hold of a person who was overwhelmed and impatient.She will stated will note my account and I should receive a letter within 30 days which I have not received. 
Their negative status of my mortgage will prohibit me from a future refinance or a new loan. 
i would appreciate your help.

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 2020-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I called Menards to tell them I was unable to make my payment because of COVID. 
I was laid off and unable to work. 
They told me that they would waive fees and not report the lates to credit as long as I paid within 90 days - Which I have and am caught up with my payments. Card is more than half way paid off at this point. 
I was not supposed to receive these lates on my credit report and I did. We are in the middle of a pandemic and this was not supposed to happen to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: AL

Complaint narrative:
On XX/XX/2020, I mailed Deville Asset Management Ltd. a letter, along with documents, to verify an alleged collection for {$8800.00} or delete it and discontinue reporting to the bureaus if they couldn't verify the debt. I received a return receipt stating that they received the documents on XX/XX/2020 and have yet to receive a response from them to this day. Verification or removal was also requested due to the company 's CEO being imprisoned for multiple charges in which making fraudulent accounts was one of many. I really need this to be deleted/removed as this is the only thing keeping me and my XXXX kids, ages XXXX and XXXX, from moving forward in my homeownership program so that we can move out of my parents overcrowded home. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: U.S. BANCORP
State: WI

Complaint narrative:
XX/XX/XXXX we went bankrupt and when we went bankrupt I didn't know we had to reaffrim the mortgage. So that were all the problem started. I talk to US Bank in XX/XX/XXXX so I could get mortgage on my credit report I sent a letter to US Bank. Nothing happened. I also had problems making payment so I hook up with ( HUD ) and made payments on XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX. i did all the right things make sure I didi n't miss a  payment. My account # is XXXX, they tell me I followec all the payments to a T. So in XXXX I got this letter from US Bank tell me that if I want recast I would owe them XXXX without a recast I would owe them XXXX as a payoff. I want to know what the payoff should be. Please Help 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 non-monetary relief