vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: VA

Complaint narrative:
I had cancelled my gym membership at XXXX XXXX in XX/XX/2019 and then was charged for two months afterwards in XXXX and XXXX. I disputed the charges with XXXX bank since I did not get services from XXXX    XXXX and I won the dispute and got back {$79.00} I just received a letter in the mail from First Credit Services that I owe debt to XXXX XXXX and the amount is much larger ( {$150.00} ). I should not owe anything to XXXX as i cancelled my membership, already won the disputes and am extremely dissatisfied with their service.

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 explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Since we moved into our home almost 4 years ago, our mortgage company has sold our account to another company at least three times. Every time they transferred our account a letter was sent to our home letting us know that we would have 60 days to make a payment, which would give us 30 days free of payment. This process worked fine the first two times, so when the 3rd transfer came, and we did the same thing again, this company decided that we were behind on our mortgage, and started charging us late fees, even though we started paying as normal after the 60 days were over, and this tarnished our credit. We had no idea this was even happening until we pulled our credit scores about 5-6 months later. The company never made any attempt to let us know that they considered us behind, and when we reached out to them, they said that their personal policy trumped the law in place that stated we would receive this grace period. In order to remedy this, they required we pay a double mortgage that month. Again, no attempt was ever made by Shellpoint to let us know they considered us behind. This company also raised our interest rate 2 %, and the VA loan rules state that no company can increase our interest rates by more  than 1 % per year, and this company has exceeded that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS servicing has done nothing but give me the run around. I am the heir to my parents home which has a mortgage serviced by SPS. For two years they have done nothing but tell me to turn in paperwork that i have already sent in four times. I have sent a copy of my mothers will, her death certificate, as well as my fathers. I currently unemployed but have viable and sufficient work expected within two weeks. At one point after faxing the requested paperwork for the second time i was told that i was the successor in interest and they communicated with me openly. Several months later, I tried contacting the company again only to be told that i was NOT the successsor in interest and that i needed to send the same papers for the third time. I believe SPS is slow playing me to foreclose on the house intentionally. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: AZ

Complaint narrative:
There is an account on my Transunion credit report from XXXX. This account was discharged due to XXXX and XXXX XXXX years ago after being diagnosed with a XXXX XXXX. Transunion is the only credit bureau that can not seem to get it straight. I have submitted paperwork to show the account was discharged. In fact, I have been denied mortgages and other loans due to this account being reported incorrectly. It is time that Transunion be held liable for their incorrect reporting of this account. The account is due to fall off in a few months according to the credit report. I have been dealing with this for years. It is clear that the accounts were discharged because all of the other ones have been updated and removed. It should be a simple task to research this and remove the item.

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 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Hello, I have been a PNC Bank customer for over 10 years, maintaining a checking account and a savings account. A few months ago, approximately XX/XX/XXXX, I noticed service charges being deducted from my checking account as my balance went below the {$5000.00} required minimum. Upon further review of my account, I noticed my account went below the minimum starting XX/XX/XXXX, and PNC Bank has been charging {$25.00} a month on my checking account till date. A total of {$370.00}. In fact, the charges resulted in my checking account going down to XXXX   balance and PNC started taking funds from my savings account for the monthly service charges. 

In XX/XX/XXXX, I called PNC customer service to fix the issues and potentially get the bank charges waived. After spending over 30 minutes on the phone with the representative, she told me she did not have the authority to waive the charges and I have to call on monday. She offered to change my account type to stop the bank charges which I agreed to. I called PNC on monday and I got the same response that the charges could not be waived. This was also after being put on hold for another 30 minutes. During the call, I found out the representative I spoke with the previous day was a supervisor and could have processed a fee waiver. 

On XX/XX/XXXX, I checked my account again and noticed the bank charges were still being deducted from my saving to payoff the charges in my checking account despite my account type being changed to stop the charges. I called customer service to resolve the problem but they hanged up on me. I called PNC again this time to close my account and relationship with PNC. The representative put me on another hold for 30 minutes till they hanged up on me. I called again for the 3rd time on XX/XX/XXXX, only to be told I can not close my account because there are some pending charges on the account. 

I want to formally file this complaint with the CFPB so PNC can refund the bank charges of {$370.00} or part of it. The bank charges applied to my account were unfair, deceptive, and abusive, especially after my account type was supposed to have been changed so avoid the late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
My name is XXXX XXXX. I filed bankruptcy in XX/XX/2019, with a final discharge order granted in XX/XX/2019 XXXX : XXXX in XXXX, NY. I have received repeated collections calls from Sunrise Credit Services, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX regarding a debt with XXXX USA XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. This debt was discharged through bankruptcy.

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 2019-10-31 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:
In 2015, my aunt opened a XXXX XXXX account in my name, using my social security number and address. 
I have disputed it many times with creditor, XXXX XXXX, however my aunt is making payments so they will not dispute it. 
I have cleared it from my XXXX and XXXX. 
But Experian denied my dispute and only updated the new amount owed that my aunt, XXXX XXXX, has paid. 
This is identity theft and fraud! It continues to hurt 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 2019-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NM

Complaint narrative:
On XX/XX/2019, I paid off my mortgage. My contract stated I do not pay any fees if I paid if off early, which I did. My Escrow account had a {$1000.00} balance. I was expecting this amount to be sent back to me. Instead I received an escrow refund of {$980.00}. 

I began calling in XX/XX/2019 on what the status is of my account. The call center first said they would take out {$25.00} to close the account, even though my contract states otherwise. 

When I received the refund check an additional {$24.00} was taken out. I contacted their call center and they said it was for closing my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently my mortgage loan score, auto loan. Dropped after XXXX money was paid i early XXXX. They just did an evaluation an my credit score didnt move. Mind you i was only XXXX in debt. Paid half of that debt off. To include i make XXXX by myself not including my spouses XXXX she makes. How is it that my scores are XXXX, XXXX, XXXX. Ive reported indentity fraud to the bureaus with evidence of it an they still hold this information as a liability to my credit. I collect retirement from 20 years of the military and i currently work how it is possible for my credit to be so low. I need this situation investigated because they poorly managing my credit and because of it as just retiring last year as a XXXX veteran I can't buy my family a house of their own, a suitable loan for a car an be comfortable from after defending my country.

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 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX XXXX doesnt want to refund me they keep telling me to call my bank and chase denied my claimed without reviewing any of the attached i submitted which isn't fair from both parties, i don't have my item or my money very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My account has been closed for the better part of a month, and I have been asking for a return of my positive balance on my account to be issued and despite numerous attempts, the monies are still sitting in this account. 

I opened my XXXX XXXX and was happy with the card, until out of the blue the company put a hold on my account, advising me that they had to verify my identity, despite opening my account with my drivers license. I would note that my wife was not requested for her drivers ID and her account is still active. 

I filly paid of all of the charges on my card, but I could speak to anyone about my hold on my account, and in general I found the staff to be incompetent. No one knew what was wrong and or was able to assist me, so I simply decided to close my account which I did. 

There after there were a few refunds posted to my card from merchants, and despite these refunds posting weeks ago, XXXX XXXX still has not returned my monies to me and is rather collecting interest on these monies and despite the complaints I have filed, there is no response provided to me. The last time I spoke to XXXX XXXX, where my calls was constantly been dropped, or I was cut off ( it took over an hour to speak to a supervisor, and over 5 phone calls ) was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In 2015, my aunt opened a XXXX XXXX account in my name, using my social security number and address. 
I have disputed it many times with creditor, Portfolio Recovery, however my aunt is making payments so they will not dispute it. 
I have cleared it from my XXXX and XXXX. 
But XXXX denied my dispute and only updated the new amount owed that my aunt, XXXX XXXX, has paid. 
This is identity theft and fraud! It continues to hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: PA

Complaint narrative:
I am writing to dispute these inquiries : XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019. These actions were initiated without my consent to the following companies. These inquiries are not factual since I never authorized them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
So there a charge on XX/XX/2018 that was not authorize by me for XXXX for XXXX XXXX and I let navy federal know about it and nothing was done also I had ACH charges to account that I never have or used that I disputed and I was told nothing is going to be done by it I want my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: TX

Complaint narrative:
Recently my mortgage loan score, auto loan. Dropped after XXXX money was paid i early XXXX. They just did an evaluation an my credit score didnt move. Mind you i was only XXXX in debt. Paid half of that debt off. To include i make XXXX by myself not including my spouses XXXX she makes. How is it that my scores are XXXX, XXXX, XXXX. Ive reported indentity fraud to the bureaus with evidence of it an they still hold this information as a liability to my credit. I collect retirement from 20 years of the military and i currently work how it is possible for my credit to be so low. I need this situation investigated because they poorly managing my credit and because of it as just retiring last year as a XXXX veteran I can't buy my family a house of their own, a suitable loan for a car an be comfortable from after defending my country.

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 2019-10-31 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: TX

Complaint narrative:
Recently my mortgage loan score, auto loan. Dropped after XXXX money was paid i early XXXX. They just did an evaluation an my credit score didnt move. Mind you i was only XXXX in debt. Paid half of that debt off. To include i make XXXX by myself not including my spouses XXXX she makes. How is it that my scores are XXXX, XXXX, XXXX. Ive reported indentity fraud to the bureaus with evidence of it an they still hold this information as a liability to my credit. I collect retirement from 20 years of the military and i currently work how it is possible for my credit to be so low. I need this situation investigated because they poorly managing my credit and because of it as just retiring last year as a XXXX  veteran I can't buy my family a house of their own, a suitable loan for a car an be comfortable from after defending my country.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
Lockhart Morris an unknown company collecting for XXXX XXXX XXXX in the amount of {$8600.00} since XX/XX/2019. I have asked for proof of contract to prove this is account since I do not know who either company is and why they are saying that this is my account. This has lowered by credit score and quality of life. Legally this is not fair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/19 my on-line in child support information was compromised and money was stolen from my account with my knowledge. I didn't realize the money was taken until XX/XX/19 when I went to use the card and check my balance. XX/XX/19 I filed a dispute with XXXX service and was told the investigation would take 45 to 90 days to resolve. Over the 90 day period I periodically checked on the dispute. At the end of XXXX I recieved a letter stating I wouldn't be getting my funds returned and I need to take the case up with my local law enforcement agency. I initially did that in XXXX, but didn't hear from anyone after I filed the fraud report. So it's XXXX and I'm following up with the original case with the detective who investigated the fraud. I was told that the XXXX lives in Maryland and I would hv to go there to sue them. I hv tired to reach out to PNC bank on several occasions about this issue and there customer who stealing money but can get any help because I'm not a customer with there bank. I do understand what they're saying, but the officer didn't gv me a name of whose account my money was transferred to. He just gave me the state location which is Maryland ( no city ) which by the way I live in Georgia. So now I'm stuck calling different agencies and getting help from Legal Aid and still can't recover my fund. {$1200.00} is a lot of money to me and it's sad that people dont care whether they stilling it from your children or whomever. I can't even let my child money sit and accumulate on his card for him to utilize because of people like this ( who chose to hack accounts and steal money ). But I'm hoping I can get this situation rectified soon cause this is really starting to get to me. If I hv to go to Maryland to sue that person that's what I'm gon na do, but I wish the agencies that handled fraud and the police departments would do there jobs more thoroughly this is ridiculous ... I need my childs money back. If you hv any other suggestion please contact me. I'm going to continue to pursue this until it right. I dispise cheaters, liars, and thieves ... their a the same and should be working for any government agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: ND

Complaint narrative:
My name is XXXX XXXX and I originally financed my vehicle with TD auto finance with an account number of XXXX. I refinanced my loan with XXXX and they paid my loan in full to TD auto finance XXXX XX/XX/2019. However, Every time I check my account it still doesnt reflect that it was paid and they even charged me monthly payment automatically for XXXX XXXX. I called multiple times to resolve the issue and they always reassure me that it is already being taken care. It is now XXXX and I am still getting a bill from TD auto finance and they even have the nerve to say that I am two months overdue and now being charged late fees. This is getting ridiculous! This bank brought me nothing but pain and inconvenience. They are the once who owe me late fees for poor service. Please assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently pulled a copy of my credit report after disputing with the credit agencies and noticed they are still reporting addresses that I have never lived at. they are also not reporting legally my name as it is on my California Drivers license and Social Security card. I have written them several times with this matter and they refuse to delete the incorrect information from my credit file. 

this is the correct way my name should appear ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX are addresses that I have never lived at. Please remove this inaccurate information

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