vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
InXX/XX/XXXX and XX/XX/XXXX I disputed some erroneous information in my Experian credit report with the company. Both times, the company 's response was so fast it seemed computer generated verses someone actually taking the time to investigate the disputed issue. My mortgage company XXXX XXXX  reported that I was 30 days late to the CRA inXX/XX/XXXX, but after writing them and explaining the situation, they kindly removed the erroneous information off of my XXXX, and XXXX credit reports however, Experian did not remove their data as the other agencies listed did upon completion of the disputed investigation. After speaking to my mortgage company they notified me that they sent out the removal information to the companies however, Experian did not update their system and I needed to contact them directly. I have contacted Experian via phone, and online in regards to this information but they refuse to remove the information which is affecting my personal finances and my current pending VA loan. The only response I got from Experian was an email informing me a few days later that the disputed investigation results had been completed resulting in no change.

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 2017-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On X/XX/17 I purchased a Used XXXX XXXX XXXX XXXX through XXXX on XXXX, XXXX XXXX XXXX XXXX, XXXX, IL. They applied for financing for me through BMO Harris Bank. The amount financed was XXXX at an interest rate of 5.14 %. Since then I have called the BMO Harris Auto Loan customer service number XXXX to find out what the pay-out amount of my loan is because I want to refinance the loan through my credit union. Neither through the automated system or by talking to an agent has BMO Harris been able to give me that amount. The agents have told me that my loan is not yet in the system. Today I spoke with a supervisor, XXXX XXXX XXXX, who told me that it can take 4 weeks to " book '' the loan. I got the loan exactly 4 weeks today. He told me there is nothing he can do to speed up the process and that there is no way that I can go to a branch office today to pay off the loan. 
I 'm angry because BMO Harris is charging me their high rate of interest during this time that I wish to have already paid off my loan but can not.

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 2017-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, XXXX a payment of {$2300.00} from an insurance cancellation was applied to my account. I printed out a copy of my account summary that showed my next billing date was XXXX/XXXX/XXXX for the amount of {$160.00}. On XXXX/XXXX/XXXX, I made a payment so my next due date would be XXXX/XXXX/XXXX. My account summary continued to reflect a XXXX/XXXX/XXXX due date up until today, XXXX/XXXX/XXXX. And the system change the due date on XXXX XXXX one day before XXXX/XXXX/XXXX showing I have a payment due on XXXX/XXXX/XXXX for {$340.00}. I contacted customer service and the representative was n't able to help. She only offered an extension to the due date. I did n't need an extension. Had the system not showed my next payment was n't due until XXXX/XXXX/XXXX, I would have continued to make the payments on time like I have done for the past 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Purchased a service from XXXX XXXX XXXX onXX/XX/XXXX and paid for the service by using PayPal credit but never received an invoice either by US mail or by email from PayPal credit until earlier this week when an invoice came in the mail. Based on past PayPal statements on their web site PayPal charged me {$22.00} interest during the XX/XX/XXXX to XX/XX/XXXXbilling period but never got an invoice. Then they charged me duringXX/XX/XXXXtoXX/XX/XXXX billing period a {$25.00} late fee and {$3.00} interest and then during the XX/XX/XXXXtoXX/XX/XXXX billing period they sent me my first invoice in over 6 months with a {$38.00} late fee and {$4.00} in interest. Bottom line I was charged {$93.00} for late fees and interest and I never received an invoice until a few days ago and I then paid the balance in full which was {$280.00} Paypal Creidt told me that they sent an invoice every month for the past 6 months but until recently I had not seen an invoice or email or voicemail from PayPal that I had a past due balance. Paypal is dishonest based on the {$25.00} million they paid your agency two years ago XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-25 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: TX

Complaint narrative:
I hate to be a pest about this, but I have been trying to make sure that only accurate information appears on my report to no avail. I have submitted copies of my FTC ID Report, along with copies of police report filed a long time ago validating my assertion of theft and or vandalism of property along with my ID and drivers license etc. I also attached a Certified Notarized copy of my ID Theft statement. 

I continue to have several inquiries and attempts to open new accounts in my name even though i have placed fraud alerts on my accounts. I need these items deleted from my credit report as I have not authorized these items not the following accounts. 

Inquiries : XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX -XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - Opened XX/XX/XXXX - This account shows balnce of XXXX - This account should reflect a XXXX balance as I have paid this account off in a month. 

XXXX XXXX ( All Accounts still showing I have done business with them but this is not true and results from Accounts being established in my name without my consent. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened and account in XX/XX/XXXX with synchrony ( then ge capital ) and paid it off in XX/XX/XXXX. Since it is Ethan Allen, it is not something I would use every day. I was never notified that this may be happening in the future, or even that it had happened after the fact. I only noticed after checking my credit report. I called customer service today and they will not reinstate. I can only reapply and reopen, which will further hurt my credit. I was in the process of buying a house and this has potentially cost me thousands in interest on my mortgage due to a lower credit rating. All customer service said is they can close an account for any reason at any time and we 're of no further 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 2017-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
This company ( Bureau of Medical Economics ) repeatedly contacts me on my work phone - despite my requesting multiple times that they stop calling me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
This company has no real basis for putting us in collections for the amount they say we owe. I was in contact with the CEO 's office which got me no where, they are extremely rude. The general manager for the complex in which we lived had a lot of complaints against him for kicking people out because he was upset they complained about him..which is exactly what he did to us! They also put this account in collections ONE MONTH AFTER WE LEFT!!!

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 2017-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
I am a licensed real estate agent working with a borrower to accomplish a short sale. Bayview Loan Servicing is refusing to assist the borrowers because they stated they do not have enough time  according to CFPB rules. Bayview received the short sale file on XX/XX/XXXX when the borrowers had a foreclosure sale date on XX/XX/XXXX. The borrowers were able to get the judge to grant additional time until XX/XX/XXXX so Bayview could review the borrowers for a short sale but they still continue to refuse based on the CFPB rules. My understanding is that once the file is submitted, the lender should have at least 37 to 30 days to review in which Bayview has this time. In addition, Bayview informed me that the net proceeds need to be $ XXXX in which the net proceeds exceed the amount at $ XXXX. Bayview is using the CFPB guidelines as an excuse to not assist this homeowner avoid foreclosure. NJ is a judiciary state.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
OnXX/XX/XXXX I visited TD Bank branch in XXXX XXXX XXXX to complete international wire transfer. Employee XXXX was assisting me, I specifically requested the funds ( USDXXXX ) to be transferred in USD, while performing the task, XXXX XXXX me that the funds " switched to CZK '' when I asked why, he stated he did not know, I told him again, I really want him to transferred in USD, he replied that it would transferred to CZK and asked if I want the transfer to be completed or not ( misleading me to believe that the XXXX bank may be the issue, and there is nothing he can do ). As I was led to believe that there is no other way to complete the transfer than in CZK, I agreed. By this exchange transaction, I immediately lost approx XXXXUSD, resulting in further loss of another XXXXUSD when the funds had to be transferred back to USD in the bank in XXXX. Since I was led to believe that this was XXXX bank issue ( and not TD ), we contacted the bank and was advised that the transfer was incorrectly performed by TD. When I contacted the TD branch, I was advised by the assistant manager XXXX, that the funds can be easily transferred in USD, that the system is just " a little tricky '' and if the funds are converted, you have to exit the transfer and start again. When I contacted the manager of the bank, she was rude, uncooperative, and when I met her in person and spoke to XXXX, he was lying about " offering me to exit the transfer and re-start the transfer in USD '' ( which he certainly did not, nor was he probably even aware of the issue at the time of the transfer, and it was exactly what the assistant manager advised me prior, and I repeated to the manager when I talked to her on the phone earlier that day ), he said that I was fine with transfer in CZK that I really did not care ( not true ), and the manager advised me since I signed the transfer form, there is nothing she can do for me. I wrote letter to TD Bank corporate office in attempt to resolve this issue, but never heard back. I am deeply disappointed and concerned with TD process and unwillingness to address this issue. The transfer fee was XXXXUSD ( which would be all I would pay ), however, by the incapability of their employee and/or defective system, TD instantly gained additional approx. XXXXUSD by converting my money to foreign currency. It certainly raises a question how often this happens ( I doubt I am the only one who experience this issue ), and if TD is aware and just does not want to correct this issue ( there certainly was not any effort on TD side ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: MI

Complaint narrative:
I have contacted Key Bank several times about the status of my credit report. I defaulted on my private student loans due to divorce and financial struggles. My loans were sent to collections to XXXX XXXX and I have been paying faithfully for a little over a year. I contacted Key Bank several times asking if my loan status on my credit report could be changed from past due to current since I have been making payments. Each person I spoke to send me to another department and when I finally spoke to the 6th person I was told the status of my loan could not be changed to current unless I paid the balance off in full. I am a single mom I do not have that type of money to pay balance in full. Since they wo n't change my credit report I can not get a home loan. I am spent do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
i have never missed a payment on gas card or my medical card. i knew that i would need new credit for our flooring and reduced the line of credit on my gas card by {$1700.00} and my medical card by {$4000.00}. i then was approved for less credit than i needed at 2 flooring stores. i closed those cards and my gas card to increase my chances of getting the credit i needed. i was then denied even though i reduced my credit lines by {$12000.00}. this stinks. i will no longer use Synchrony bank or its Vendros going forward.

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 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This morning I checked my credit report with XXXX and Santander Consumer USA is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back toXX/XX/XXXX. I see that the account # they use is XXXX. And the date they reported was XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid Santander along time ago ; so all information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
To Whom it May Concern : Correspondence sent to Ocwen as there was an outstanding judgment associated with case # XXXX. The judgment was confirmed satisfied by Ocwen on XXXX/XXXX/XXXX in writing ( attached ). A corrected XXXX was received but the satisfaction of judgment has not been filed which is preventing the refinancing on XXXX XXXX 's residence. 

This matter has been ongoing for 3 months and has been escalated several time. Ocwen has failed to satisfy the judgment as promised thereby continuing to impact XXXX XXXX 's credit and ability to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Ok ... i want the cfpb to know that ocwen loan co contacted me approx 2 or 3 weeks ago and said I could fill out another application packet bc our foreclosure is on hold..which is not true ... the judge already gave XXXX XXXX  summary judgement ... .but they did mail me a packet ... .and then called back about a week later and wanted all my attorneys info ... i gave it to them ... but I have had an attorney for 4 yrs now and this is the first time they have ever asked for his info ... .and then proceeded to tell me all communications must go through my lawyer ... .but when I received the packet I filled it out and faxed it yesterday 3 times!!!! Yes ... i faxed it 3 times ... they always have me refax..redo..resend ... well it 's complete as of yesterday and faxed 3 times ... and my lawyer has an offer in to ocwen for a short sale ... which would allow me to rent it at a much lower payment ... ..and eventually maybe someday own it ... .im letting you know this bc ocwen is plum crazy ... and they are gon na say sorry we ca n't accept your application bc your lawyer did n't fax it ... or sorry we ca n't do the short sale bc it was n't submitted on the right papers ... so we have to take it so we can sell it on XXXX ... ..bunch of garbage ... .ocwen needs to stop this insanity and you guys are the cfpb ... you are suppose to be protecting me from. Unfair ... deceptive..and abusive practices so I suggest you start doing it ... send this to your c eo XXXX it!!!! 7 yrs in enough ... i bout to tell them to take this house and XXXX XXXX ... if I did n't have children ... i would have already!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This morning I checked my credit report with XXXX and XXXX XXXX XXXX is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back to XXXX. I see that the account # they use is XXXX. And the date they reported was XX/XX/XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid XXXX along time ago ; so all information is incorrect.

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 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This morning I checked my credit report with Experian and XXXX XXXX XXXX is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back to XXXX. I see that the account # they use is XXXX. And the date they reported was XX/XX/XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid XXXX along time ago ; so all information is incorrect.

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 2017-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
I checked my XXXX credit report this morning. There was a new entry from Diversified Consultants Inc on there. Supposedly I opened an account on XX/XX/XXXX of this year with XXXX XXXX with a balance of {$460.00} with a high balance of {$93.00}. I have no idea about this account. I have fraud alerts on all my accounts and credit reports, I am a victim of identity theft and I get reports whenever anything changes on my credit reports from XXXX XXXX, XXXX XXXX, and XXXX. This entry is not on my XXXX XXXX report. I want this removed from any of my credit reports. I do not have any loans that were opened this year and especially with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I maintain account with Paypal. Account is frozen, and I can not remove funds because of " compliance '' issues. Paypal compliance insists on needing a XXXX from me. I sell jewelry online but i do not buy from the public so a XXXX is NOT needed to be developed by me. Paypal is giving me the run around for 2 months, I can not talk to anyone in Compliance over there, and my account is frozen with no ability to withdraw funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
chexsystems if reporting a {$870.00} non sufficient funds report from XXXX XXXX XXXX XXXX and numerous fraud disputes have been filed with chexsystems and XXXX XXXX and its for {$330.00} not {$870.00} so Chexystems Consumer ID XXXX is reporting incorrect amount information on a fraud account from XXXX XXXX and this needs to be corrected and verfied again thru the Error of XXXX XXXX and a new chexsystem reported updated sent to me since i am filing a Civil suit.

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