vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I refinanced my home on XX/XX/2019. I felt that I had to refinance solely because of the issue I had this year with Mr. Cooper and my mortgage, specifically the escrow account. I still have not received my full escrow balance from Mr. Cooper as of XX/XX/2019. Mr. Cooper has collected {$6200.00} in escrow monies since the beginning of this year, as of XX/XX/2019. On XX/XX/2019 I received an escrow statement of monies collected between XXXX and XX/XX/2019 totaling XXXX. I received {$3100.00} payment on XX/XX/2019. Six months of XXXX total {$3200.00}, a {$82.00} variance. Also not included are the monies collected from XXXX to XXXX of 2019 in the amount of {$2900.00} was not calculated to my escrow balance. Mr. Cooper still owes me {$3000.00} of escrow money collected. I have attempted to call Mr. Cooper however they have closed this account and I was unable to reach any customer service that would address my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I opened the Lowe 's account some years ago and paid the bill as required. Last year account was closed unexpected. I received a call and letter from person in Georgia stating the account was reporting to their credit report. I contacted XXXX and Synchrony Bank and provided SSN and copy of driver 's license and notified them of the error. Neither company has returned an answer to the letters sent to them over the past 3 months and I have been getting harrassing letters from the guy in Georgia who Lowe 's company is reporting on his credit.

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 2019-10-07 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: AFNI INC.
State: TX

Complaint narrative:
I sent a Debt Validation letter to AFNI Inc for two unverified collections that are on my Credit Report that I do not recognize as being accounts I opened. One for {$1600.00} and the other for {$270.00} on XX/XX/19 and it was delivered XX/XX/19 I never got one response from them in regards to these accounts. It is now XX/XX/19 well past the 30 days requested on the original letter that I sent to them and still have not heard anything from AFNI Inc . I have also sent a letter requesting that these accounts be removed from my Credit Report due to no response nor Validation of these debts and they still appear on my Credit Report. I am now filing a complaint with you guys on this Agency because I can't seem to get any type of response from the company themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: MI

Complaint narrative:
XXXX XXXX XXXX reported me as 30 days late when i did not recieve a statement to pay from, they never called me or emailed me or texted me to notify me they would report a 30 days late even though i have had account with them for many many years and HAVE NEVER BEEN LATE> As soon as I was notified i corrected the issue.

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 2019-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WESTSTAR MORTGAGE CORPORATION
State: AL

Complaint narrative:
Our VA mortgage to XXXX XXXX closed on XX/XX/XXXX with first payment due on XX/XX/XXXX. 

Before the first payment was due, we received a notice of servicing transfer. We called Weststar Mortgage ; their representative told us to send the payment to XXXX. 

We have made all of our mortgage payments to XXXX on time. 

Weststar Mortgage is saying the representative made a mistake, and that the XXXX payment should have been sent to them. 

The result is that Weststar Mortgage is incorrectly reporting our mortgage as seriously past-due. We have two mortgage accounts being reported to XXXX, XXXX, and XXXX. XXXX has not been responsive to our requests to correct this error. 

XXXX XXXX and Weststar Mortgage are affiliated companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On Tuesday XX/XX/XXXX, I sent money to an account whom I thought was the owner of a beach house in XXXX totaling {$900.00}. Originally, I had been in contact with someone claiming to be the owner regarding renting the house for the month of XX/XX/XXXX. I sent the money via the XXXX feature through PNC. After sending the money, and receiving some questionable texts from the owner, I decided to look into it further and call the listing agent on the house to confirm the owner of the house. The listing agent confirmed with me that they were not the owners, and this scam had previously taken place last year. I contacted PNC on XX/XX/XXXX, the day I found out this was a scam to file the claim. Today, I found out PNC rejected the claim because the transaction had gone through and I was told from XXXX at PNC that I would need to follow-up with XXXX XXXX ( false owner of house ) to be reimbursed. I explained this can't be done because XXXX XXXX is not a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had negotiated a settlement with Citibank. Despite making two payments to them and receiving several correspondence that my account was fine, " out of the blue '' I started to receive what, in my opinion, is harassing phone calls form Citibank AND a debt collection agency THEY contacted in regards to my account. I made numerous and repeated attempts to contact Citibank. But, either the call gets transferred to departments that are closed or there is outright reluctance from the Citibank representative to address and fix the issue. Additionally, when I asked the most recent representatives I spoke with, " XXXX and XXXX, for their full names, they denied, saying " Company policy. " This has been very taxing on me emotionally.

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 2019-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have a Home Depot Credit Card that I pay off fully every month and have not missed any payments or been charged any late fees. I noticed printed in the middle of the statement that " You must pay your promotional balance of {$82.00} in full by XX/XX/20 to avoid paying deferred interest charges '' and another that states " You must pay your promotional balance of {$7.00} in full by XX/XX/20 to avoid paying deferred interest charges '' I called the company and they told me that when I pay my statement the money goes to charges ( revolving credit ) that have not been paid yet ( in the 25 day grace period that have not been billed yet ) and the rest goes towards the promotional balance. The only thing that I can figure is that the grace period is negated if I purchase something over a certain amount. I've told Home Depot it's illegal for them to charge me interest during the 25 day grace  period.

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 2019-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC
State: FL

Complaint narrative:
I had negotiated a settlement with XXXX for a XXXX VISA card. Despite making two payments to them and receiving several correspondence that my account was fine, " out of the blue '' I started to receive what, in my opinion, is continuously harassing phone calls from Alltran Financial , LP. I spoke with their representative, XXXX XXXX XXXX, and told her I had previously arranged a settlement with XXXX. I encouraged her to contact XXXX for further information. Despite this, she continues to call. I have also made numerous and repeated attempts to contact XXXX. But, either the call gets transferred to departments that are closed or they " fall on deaf ears '' by XXXX representatives who refuse to correct the problem. This has been very taxing on me emotionally and is also negatively affecting me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: PR

Complaint narrative:
i don, have no knolwed about this account and lke almost all hospital or health services the actually have a no payment plan that like i know it wasnt me this collecction most to had being payed and the collector is trying to charge for something that i dont have knolweg. so i want the to send me on my email all the documents that was used on the that of this services original copys. like all information that identifies me as the owner of this debit, ss. dob. tel # .. address.the actual condicion tgat i had to have to trean for this services and the main signe contrat from that place of services. and a nother thing eany document that i had sign with this collection agency saying that i have the wright to pay this debit or the sign contrac saying that i am the original owner and that i accet eany terms an condicion. another this if they don have all the proof so tell them to remove completelly this fake collection of my credit report thak you. 


my email 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 2019-10-07 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: Mobiloans, LLC
State: TX

Complaint narrative:
Reference CFPB Complaint ID XXXX Date XX/XX/19 Since the last complaint I have provided MobiLoans with a Police Report and FTC ID Theft form, regarding a fraudulent account set up in my name. Also, I submitted a notarized MobiLoans ID Theft form to them. Mobiloans, knowing the account was in question, and in possession of all these previously mentioned documents, MobiLoans preceded in bad faith to hit my XXXX  Credit report with a 30 days past due notice which is unfairly affecting my credit score. This is not my account or my debt. The account was created by an Identity Thief. Mobiloans needs to acknowledge their mistake and immediately remove the 30 day past due notice from my credit reports.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had negotiated a settlement with Citibank for a COSTCO VISA card. Despite making two payments to them and receiving several correspondence that my account was fine, " out of the blue '' I started to receive what, in my opinion, is continuously harassing phone calls from XXXX XXXX XXXX XXXX. I spoke with their representative, XXXX XXXX XXXX, and told her I had previously arranged a settlement with Citibank. I encouraged her to contact Citibank for further information. Despite this, she continues to call. I have also made numerous and repeated attempts to contact Citibank. But, either the call gets transferred to departments that are closed or they " fall on deaf ears '' by Citibank representatives who refuse to correct the problem. This has been very taxing on me emotionally and is also negatively affecting me financially.

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 2019-10-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My HELOC has been paid in full Td bank charged thousands of dollars in fees, which are not justified and they refused to allow me to dispute any of them. 

So I went to the local branch with a letter in hand from TD stating what I owed. The bank assistant called collections and he said pay this amount ( on letter ) and we will send " satisfaction of mortgage '' so I paid with the intention to dispute later. No I paidXX/XX/XXXX and instead of " satisfaction of mortgage '' got another drive by, foreclosure letter and {$300.00} plus in more fees. This was on XX/XX/19. Unbeleivable. The local branch called collections ( XXXX XXXX ) was no help. As I write this I am still being harassed by more drivebys and fees, costs and threatening letters. Please help. I dont know what to do. 
This is a Riverside Heloc. 













so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I schedule all of my payments online and print payment receipts when payments are scheduled. I always schedule the payment for the end of the month before the payment is due. I scheduled a payment for the total amount due on XX/XX/2019 of {$1400.00}. Then for the XXXX Total balance of {$1000.00} I scheduled the payment on XX/XX/2019. I have the transaction receipts for both of these payments. Then on XX/XX/2019, Bank of America took out an additional payment in {$1400.00} out of my checking account without my authorization. When I saw the error, I contacted Bank of American on XX/XX/2019. They could not explain to me how this could happen and told me they would initiate a refund back to my checking account for the {$1400.00}. In the meantime, I have to move money around, borrow cash from my employer just to make sure I had enough in checking to cover my withdrawals. I called them back on XX/XX/2019 when the money still had not been returned to my checking account. They still could give me no reason as to how this happened and only gave me the answer of, " it takes up to 5 business days to process the refund ''. On Monday, XX/XX/2019 when the money was STILL not in my checking account, I called Bank of America again, only to be told by 2 more people that they could not explain what happened and that I should have the money back by the following day. As of right now, I am still trying to make sure my impending withdrawals are covered and I am still waiting for my money to be returned to my account. The fact that Bank of America STILL can not tell me how they were able to access over {$1400.00} from my checking account without my consent is baffling. I will cancel this card when all of my bonuses have been redeemed and my money has been returned.

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 2019-10-07 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: M&T BANK CORPORATION
State: MA

Complaint narrative:
My vehicle had water damage last XX/XX/XXXX it took til XX/XX/XXXX for the insurance to claim it a full loss. GAP insurance has not kicked in yet for the ramainding balance of about $ XXXX.I have been cooperative with M and T Bank with this matter. XXXX, XXXX they began reporting me to the credit bureaus for repossession and charge off. I have been sending every document into XXXX GAP claims as they request claim number XXXX. XXXX states as they received documents it takes up to four weeks to process them. The list of documents is very long and confusing and originate from various sources. The Vin on the lose car is XXXX The account with M and T Bank is # XXXX.Balance is $ XXXXWhy ais my credit being ruined if I am cooperating and waiting on insurance companies to process this claim while having to do all the leg work for them in obtaining documents.

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 2019-10-07 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-07 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: PA

Complaint narrative:
I was using Venmo, a PayPal company, to transfer {$180.00} into my bank account via their instant transfer option on XX/XX/XXXX at XXXX. I have contacted both my bank ( XXXX XXXX XXXX ) and Venmo numerous times. Both saying that the other is responsible for the money not being received into my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/2019 I tried to transfer XXXX $ to Usaa the bank gave me access to XXXX $ of the XXXX $ amount. And tell me that my other funds the XXXX $ are on hold from the bank for an entire week, not a few days like I have typically seen before. I find it very frustrating after banking with them for years that they dont lift holds and will not work with me. I need those funds to pay a car payment that will now have to sit and wait because of this. I have never had a funds hold for an entire week at any financial institution I have banked at completely thrown off that this kind of behavior would happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I reported to my bank ( XXXX ) that my card was used without my authorization. Turned off the card but my bank couldnt help me until the next business day XX/XX/19 then they tell me they cant help me until the transactions were posted. They do their investigation and come to find out my card Information was used to western union to two random people in XXXX. I know its fraud because the phone number they used to verify it was me has been disconnected for years & they used an email address I have never created or used. If the IP addresses are compared well see who is telling the truth. The scammer used a passport to receive the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC
State: VA

Complaint narrative:
I pulled a copy of my credit report around the beginning of XX/XX/XXXX. I noticed that I had 3 accounts showing on my credit report from Miramed Revenue Group. All 3 accounts had different account numbers and had totals of {$50.00}. I called them they informed me it was copays from varies dates with XXXX XXXX. I advised I would pay off the accounts that was showing on my credit report and set up payment arrangements for the rest of the accounts. I made my payments on those 3 accounts showing on my credit report on XX/XX/XXXX. I called them today ( XX/XX/XXXX ) because the information still hasn't been updated on my credit yet. I was advised by a rep. that they would not update my paid accounts to the credit bureau 's until I paid all of my accounts off with them. I advised them that all the accounts with them have separate account numbers and are all for different dates of service. So they needed to update the information according they refused and stated they aren't sending anything to the credit bureau 's until I satisfy the other accounts that aren't showing on my credit report. I haven't received anything from them In regards to any of the accounts. Please help I dont think this is fair. I am trying to repair my credit and the fact that these may show for a longer time even though they are paid isn't fair to me.

Company response to consumer: Closed with explanation