vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC.
State: CA

Complaint narrative:
2 years ago, we had water damage. The insurance dropped us and we had about a month to fix the house so we can get a new policy before the insurance expired. The old insurance paid for the claim BUT my bank didnt want to release any funds to me so I can fix the house. I used my own money and loan some money so I can fix the damage in my house. The mortgage company didnt want to release funds so I can finish the work and get new insurance. The new insurance wanted to see that the damage was fixed before they can insured me, which took 4 more days from the day of the cancelation. I was stuck with having no money to fix and the time I needed to get insurance. I spoke to XXXX at the bank many times, he told me to XXXX XXXX and it is his rules and if I want to get funds, I needed to finish the houseI had no money! I explain to him that without releasing funds I can not finish the work.well he said it my problem. NOW, 2 years down the road the bank is trying to bully me to pay insurance worth {$8900.00} that I dont need or want. After back and forth they now reduce it to the 4-5 days that I didnt have insurance due to them holding my insurance money. They did that on purpose as XXXX said he will teach me a lesson. Because of them not releasing MY FOUNDS it took me 4 more days to finish the work so the new insurance see that its all fix and I can get a new insurance. This mortgage MB Financial is something else, the worse mortgage company I ever had. Unfortunately there is no one to talk to about this and I understand they have the right to go into my impounded account and take the claimed insurance. I dont authorize them to do this! I want to take them to court if they will charge me. This is crazy!! They want to charge me for 4 days of insurance from 2 years ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I have tried several times to have FAIR COLLECTIONS & OUTSOURCING to send me verification of debt. on to this day I have n't received any notice from them. I would like them to completely remove any negative mark on my credit reports.      XXXX  Account Type : Collection Account Type - Detail :  XXXX   XXXX   XXXX  : Joint Account Status : Derogatory Monthly Payment : - Date Opened :  XX/XX/XXXX   Balance : {$3400.00} No. of Months  (  terms ) : -  High Credit  : {$3400.00} This is the only information that I have of this dept that is 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 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I made a phone call requesting a replacement debit card for my lost card. I received the new card on Monday XX/XX/XXXX at XXXX. I activated over the phone that night. The next morning I tried using the new card it was declined. I called Citibank and I was told I would be sent another card. I then went to a close branch on XXXX XXXX XXXX XXXX and was told I could not withdraw any money from my account. I am actively being denied access to my money. I have XXXX children to take care of and I need my money.

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 2017-07-11 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: CA

Complaint narrative:
I ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if off 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 2017-07-11 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: PA

Complaint narrative:
On   XX/XX/XXXX     I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter XX/XX/XXXX  .  All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.

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 2017-07-11 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: PA

Complaint narrative:
On  XX/XX/XXXX   I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter XX/XX/XXXX   . All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: PA

Complaint narrative:
On XX/XX/XXXX    I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter   XX/XX/XXXX    . All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.

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 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
My current loan servicer obtained my loan while it was in default from    XXXX   XXXX   XXXX   .   I have sent numerous RESPA letters to try to obtain my entire loan history. However,  XXXX  can only provide their servicing documents and escrow account documents. The monthly loan records from    XXXX   XXXX   XXXX    and the original servicer   XXXX   have not been produced.  XXXX  offered me a Trial Modification and the letter states that " Funds  may  be held in a non-interest bearing account until they total an amount that is enough to pay the oldest delinquent monthly payment.   XXXX   can not provide a schedule showing the monthly amounts due to effectively apply the Trial Modification Payments.  <P/> In addition, their foreclosing law firm,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . did not send a Notice of  Default  and 30 Day Right to Cure letter. Copies of the attached letters have been sent to the foeclosing law firm requesting a loan history and they as the debt collector can not provide such information either. Why is the loan history since inception of the loan missing?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: TX

Complaint narrative:
Sent  certified letters with signature required to credit reporting agency Equifax, received and signed for on   XX/XX/XXXX     @   XXXX  . This was for request of validation of said debt. Company response was " This item has been updated to report satisfied/released. '' Company did not mark disputed on reports according to Federal Law FCRA  623  ( A ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on X/X/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but transunion stated that in fact is not the case. Nothing else has changed on my ( transunion ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted XXXX XXXX who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow XXXX XXXX to run my credit. Other banks that have run my credit without my authorization include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Transunion NA via XXXX XXXX, XXXX XXXX, and XXXX XXXX via XXXX XXXX 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 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on XX/XX/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but XXXX stated that in fact is not the case. Nothing else has changed on my ( XXXX ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted XXXX XXXX who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow XXXX XXXX to run my credit. Other banks that have run my credit without my authorization include : Ally Financial inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX, and XXXX XXXX via XXXX XXXX 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 2017-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CIT BANK, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I am encountering difficulty with OneWest Bank, a division of CIT Bank, N.A. <P/>My mother XXXX XX/XX/XXXX of this year leaving the proceeds of an IRA to be divided amongst three beneficiaries. One of the three was already XXXX, the bank was given proof of this along with mother 's XXXX certificate. <P/>As my wife and I have been retired for some years now, my desire was to have OneWest Bank cut a check and mail it to me in Montana. OneWest Bank insists that in order for me to receive this inheritance I must open an IRA with them so that they might transfer the funds to that account in order to close that account ( a {$25.00} fee ) to send me a check. This being their policy. This strikes me as being both circuitous AND superfluous. <P/>What can be done to facilitate matters in this situation, getting them to simply send the specified amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if off 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 2017-07-11 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: CA

Complaint narrative:
I ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Sent a letter asking for back up on the debt reflecting on my credit report and have not heard back.       If the company can not send proper back up, please remove from my credit report and stop all collections

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PR

Complaint narrative:
My student loans are currently being serviced by fedloan servicing ( Pennsylvania ). My account number is XXXX I submitted the required documentation for renewal and change of IBR plan in XX/XX/XXXX.  This paperwork has not been processed.
<P/> In XX/XX/XXXXI called to inquire, they said the error was that I did n't select to make a XXXX dollar payment and they changed it. I was then billed for the entire amount.
<P/>
In XX/XX/XXXX I  called, the individual I talked to this time seemed knowledgeable and I thought It would finally be taken care of. However, I was recently notified that I was 27 days late of the entire standard repayment plan. They again stated they were processing the application for IBR.
<P/>
I am a military member, and every payment that is delayed is one that does not count towards my PSLF. They have indicated they can do nothing to make up this time. Interest has accrued and I have lost payments so I have to pay longer.
<P/>
Also, they refuse to honor my SCRA request. I have submitted orders that indicate a date later than my loan date -- but they have an XXXX XXXX date that is prior to my loan date. Thus, they claim I am ineligible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was a loyal Macys customer since XXXX. Then around XXXX, I was out of work for several months due to my XXXX XXXX and was n't able to keep up with my credit card payments. When regained employment, I started making settlements with the various creditors I owed. Macys was my top priority, so I entered into a settlement agreement with them. Now, in XXXX, I am seeing that they are reporting that I still owe them {$1300.00} in credit card debt, which is not only inaccurate but devastating to my credit score.

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 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
United Services Automobile Association ( USAA ) Federal Savings Bank debited my checking account twice for the same check number. I found the banks mistake quit by accident. when reviewing my monthly checking account statement i noticed the same check number processed twice for the same amount of money. The first time on XX/XX/XXXX for {$150.00} and second time on XX/XX/XXXX. I reported the banks error to them and they have since credited my account for their {$150.00} error. In conversation with the bank employees, they told me that this situation has been reported to them by other clients in the past. When asked if the bank every finds the mistakes, I was told NO, each time the client is the one who reports the error.
I asked how many times the mistake has been made in my account without me catching their mistake and I 'm out the money. They said there is not way of telling. They also told me that each month on my statement it says to review the statement and report any errors to the bank. That was the method the bank employee explained I should prevent this situation from occurring. I told them that a bank should have checks and balances that prevent this from ever happening. I do n't claim to know anything about the bank accounting best practices but I would think they have computer software that would prevent or alert them when this situation happens.
The USAA bank person gave me no assurance that it wo n't happen again.
After I reported their error, no bank person contacted me to say what caused the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have asked for proof of this money the company the say they bought {$1100.00} is  XXXX   XXXX  and yet there is not record or proof on any of my credit reports and I have asked for a letter from the original debt and them and have received nothing to prove its mine PORTFOLIO RECOVERY ASSOCIATES Last reported :   XX/XX/XXXX     - {$1100.00} Needs Attention Overview You 've paid off 0 % of your collection amount.   Balance {$1100.00} Highest Balance {$1100.00} Opene d XX/XX/XXXX ( 3 m os ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 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:
Sent certified letters to TransUnion LLC regarding validation of debts received and signed for on  XX/XX/XXXX     @  XXXX . Company sent statements to consumer as verified as accurate and updated. TransUnion failed to validate debt as stated in letter received by TransUnion.  Consumer  contacted  Recorder  of Deeds for Oklahoma and verified that they DO NOT report to credit reporting agencies. TransUnion failed to mark consumer report within 30 days as DISPUTED BY CONSUMER according with Federal Law FCRA 623 ( A ) ( C ).

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