vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-23 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:
I have several issues with my credit report as follows : 1. They show a former address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have never lived at this address. My former spouse moved to this address beginning sometime around XX/XX/XXXX during our divorce which was finalized in XX/XX/XXXX in XXXX County, TX. 
2. Derogatory information is shown on my report by XXXX XXXX XXXX which was a joint account when I was married. The account went to my former spouse during our divorce. That account was included by my attorney when I filed for Chapter XXXX, even though no balance was outstanding against me since it still showed on my credit report and my former spouse has a habit of not paying her bills on time. It would seem that any information related to it should be removed from my record since I owed them nothing at the time and I was removed from the account in XX/XX/XXXX/XX/XX/XXXX. 
3. I have been employed by The XXXX XXXX XXXX XXXX, MD since XX/XX/XXXX with a substantial gross salary as a XXXX XXXX XXXX. 
4. I do n't know if this is relevant, but I also have an IRA and a brokerage investment account with XXXX containing substantial assets plus a 401k through The XXXX XXXX, all containing substantial assets.

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 2018-01-23 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:
I have several issues with my credit report as follows : 1. They show a former address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have never lived at this address. My former spouse moved to this address beginning sometime around XX/XX/XXXX during our divorce which was finalized in XX/XX/XXXX in XXXX XXXX, TX. 
2. Derogatory information is shown on my report by XXXX XXXX XXXX which was a joint account when I was married. The account went to my former spouse during our divorce. That account was included by my attorney when I filed for Chapter XXXX, even though no balance was outstanding against me since it still showed on my credit report and my former spouse has a habit of not paying her bills on time. It would seem that any information related to it should be removed from my record since I owed them nothing at the time and I was removed from the account in XX/XX/XXXX/XX/XX/XXXX. 
3. I have been employed by The XXXX XXXX XXXX XXXX, MD since XX/XX/XXXX with a substantial gross salary as a XXXX XXXX XXXX. 
4. I do n't know if this is relevant, but I also have an IRA and a brokerage investment account with XXXX containing substantial assets plus a 401k through The XXXX XXXX, all containing substantial assets.

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 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Opened XXXX-XXXX-2017 for the amount of {$360.00} was payed off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Debt Collector: XXXX XXXXOpened: XXXX XXXX, 2017 (2 mos)Account status:  OpenType: ResponsibilityRemarks: MedicalOriginal Creditor Name: XXXX XXXX XXXX XXXXNote: When I had an XXXX XXXX, a neighbor called the XXXX. They showed up, and I refused to go due to the fact I know that they would bill me highly later. So I did not get any treatment nor got onto the vehicle. They said that they needed my informations anyway. And then later they sent me a full bill. And it is not fair, I ain't paying a bill that's not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XXXX present the wrong verification of claim in my chapter XXXX. I over paid in the chapter XXXX. XXXX sent me a letter out expressed I was just assume to pay XXXX and I paid XXXX. On the last letter Chase expressed I did n't pay anything besides XXXX. I have enclosed my Chapter XXXX print out to demonstrate what I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
My girlfriend and I are going on a trip to XXXX. I purchased Euro 's through XXXX XXXX for use on the trip since XXXX penalizes US dollars. My girlfriend attempted to transfer her share of the cost of Euro 's to me. XXXX debited her account on the XX/XX/XXXX and has failed to transfer the funds or reimburse her account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
CMS purchased my loan from XXXX in XX/XX/XXXX. 
CMS did not give correctly tabulate my escrow account. 
They raised my mortgage payment by $ 65.00+ in XX/XX/XXXX I called them and tried to advise them of their error. 
They insisted there was no error and refused to make a correction. 
In XX/XX/XXXX they completed an escrow analysis, and again, they did n't tabulate my escrow account correctly. 
I should have an $ 1,075.00+ surplus. 
CMS incorrectly calculated my surplus to be {$10.00}. 
I reviewed their analysis and noted they paid my USDA annual fee amounting {$1200.00} twice by mistake. 
I asked them why and they said its because it was never paid in XX/XX/XXXX. 
I obtained my last escrow statement from XXXX which clearly shows they paid {$1200.00} in XX/XX/XXXX. 
CMS refuses to acknowledge their mistake and refuses to refund my money. 
I have included objective supporting documentation to corroborate my contentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received an email from BofA in XX/XX/XXXX that I would start being charged a monthly maintenance fee on my checking account ( ending in XXXX I believe? ). I contacted BofA and inquired about the fee since I have had the same two accounts for over 5 years with no fee. They referenced me to my Terms and Conditions that I signed when I opened the account. I asked for a copy of the terms and conditions they are referencing and they could n't provide XXXX. I asked them to close this account and transfer my balance to my savings account ( XXXX ). The rep at BofA that I spoke to said this account is n't subject to the account maintenance fee so I should keep this XXXX open. This is not my primary account so upon receiving an alert on XX/XX/XXXX that my account was overdrafted, I look to find that a Maintenance fee of {$14.00} was charged and is the fee that put me in a negative balance. This then caused other transactions to be declined causing overdraft fees and Extended overdraft fees. I called BofA in XX/XX/XXXX and the BofA rep said, " no, this account also has monthly maintenance fee 's, check your terms and conditions. '' She apologized for the previous rep statement about no fee 's but could not do anything. I am currently sitting at - {$180.00}, with SEVEN monthly maintenance fee 's being added to my account since my XX/XX/XXXX conversation. 

Please close my account ending in XXXX since I was told this included no monthly maintenance fee 's in XX/XX/XXXX by BofA. Please have the escalation department at BofA listen to the phone conversation for verification. None of the - {$180.00} are charges on my behalf, they are all invalid bank fees that were caused by miscommunication by BofA. Thank you

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 2018-01-23 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: CT

Complaint narrative:
( 1 ) My problem is with XXXX XXXX, whom I have used for over ten years as my lender for my personal and business car leases. 

( 2 ) On XX/XX/XXXX, I used the online bill payment system at the XXXX XXXX website to make a payment, but using a different account. I set up the new account, including the routing # and account #, and made the payment. 

( 3 ) I received an email immediately indicating CONFIRMATION of the payment ( please see attachments showing this exact screenshot with confirmation numbers ) ( 4 ). About 3 weeks later, on XX/XX/XXXX, I get a call from XXXX XXXX alerting me that the payment never went through, that the routing number I had provided was not in their system and to please resubmit the payment with a new routing number. 

( 5 ) I made the payment immediately using the original bank account I had always been using, the payment went through, at least according to the confirmation email I again received. 

( 6 ) Fast forward to XX/XX/XXXX. I now find out XXXX XXXX has marked me as over 30 days with a " late payment '' due to this. 

( 7 ) I called their company repeatedly, talking to whomever I could, escalating the call each time. In each instance, they claim they were not at fault, even though I had received NO phone calls or emails alerting me of the failed payment until the account was over 30 days due. And I had their email giving me confirmation of the payment from XX/XX/XXXX, which they still claim was not sufficient evidence of anything. My last call into XXXX XXXX was XX/XX/XXXX, where I talked to someone who promised me a manager would call me back, to which I 've never received that call. 

( 8 ) Normally I would not make such a fuss over an issue like this, but this 30 day late penalty happened right in the middle of a personal loan I am trying to apply for. Now, all of the banks are turning me down because of this " blemish ''. I am suffering heavy damages because of this incident and feel like there 's nobody I can turn to for help. 

( 9 ) Trying to call anybody over at XXXX XXXX right now is impossible. The phones do not work, and their website says they are going through some type of upgrade. I feel like I 've done everything possible at this point but now I have no way to even communicate with them. 

( 10 ) I am ready to hire a lawyer to work with me to resolve this, if necessary. as I did nothing wrong, and XXXX XXXX should not even be hesitating to remove this " mistake '' as I 've been a loyal and good customer of theirs for almost a decade. After this incident, I can conclusively report I will never go through XXXX XXXX again, and I feel others should be aware of how harsh and non-communicative this company is.

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 2018-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have had PNC checking for a few years and they are typically receptive to disputes. In this instance, my checking account was billed a day early by a utility provider ; however, I was billed for two Overdraft fees on XXXX.XXXX.2018, in the amount of {$36.00} each, for insufficient funds. HOWEVER, today, the transaction which caused the funds to be low, is still showing as pending and my deposit of {$2100.00} is available. I have plenty of cash in other accounts that I could have deposited into this account to cover the early charge ; however, my email alert did not get sent to me until XXXX Eastern. I feel like that that defeats the purpose. I have made this argument before. What is the point of an alert if they do n't come out until after someone is asleep. I feel like that is a deceptive practice in order to gain additional fees from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
An item I purchased using my American Express credit card was returned which created a credit on my account. Since I had a XXXX  balance, I contacted American Express and requested that this credit be refunded to me. They refunded the credit of {$290.00} by directly depositing it into my Checking/Savings account. A couple days later while reviewing my account, I noticed that I now had a {$290.00} balance and the transaction was coded as a " DB ADJ CREDIT BAL REFUND ''. I immediately contacted American Express to inquire about this charge that had posted to my account. They told me that this error would be corrected in 24-48 hours. The following day, I received a check # XXXX dated XX/XX/2018. I contacted American Express and asked them if I should destroy, or return the check. I was advised to destroy the check as they had already started a stop payment. After the 48 hours expired, I still noticed that my account still reflected a balance so I contacted American Express once again. I was then told that they would have to do an investigation and that would take 6-8 weeks. I explained that this time-frame is unacceptable because it would appear that I was using available credit which in fact I was not and my balance with them should be XXXX. Additionally, I explained that this was their error and why should my credit history be subject to this AMEX error. In addition, I did n't want a finance charge or any fees resulting from their error as my balance should be XXXX. I asked them why my account did not reflect the credit reversal within the time frame that I was told. AMEX keeps giving me different timeframes of when this will be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-23 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: STATE FARM BANK, FSB
State: TX

Complaint narrative:
cra violation sent po report and idtheft gov not mine state farm and XXXX taking more than 30days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have three rental properties covered under one insurance policy. Each of the properties has a mortgage, and collects escrow towards payment of taxes and insurance as part of my monthly payments. I have already filed a complaint against one of the mortgage companies, XXXX, and am now filing another complaint against XXXX XXXX XXXX, who holds the other two mortgages. Between these two companies, they failed to pay the insurance renewal from the escrow accounts, resulting in loss of coverage. As describe din my previous complaint against XXXX, PNC has also been uncooperative in remediating this problem. On XX/XX/XXXX I learned that PNC did not have a renewal invoice, although my agent claimed to have faxed it on XX/XX/XXXX. I asked my agent to resend with a breakdown of amount due per property. She resent it on XX/XX/XXXX, plenty of time before the renewal date of XX/XX/XXXX. I followed up with her on XX/XX/XXXX, and learned that she had been leaving messages with PNC, but no one had returned her messages. I called PNC again and gave them her contact info and demanded that they follow up. On XX/XX/XXXX I received a message from my agent asking for my social security number, because PNC was refusing to discuss my accounts with her without this information. On XX/XX/XXXX my agent sent a message stating that she had spoken with XXXX in the PNC insurance department, and that checks were being issued and rushed that same day. However, as of XX/XX/XXXX no payments were received, and when I called PNC, I was told that they never received the invoice, bringing us full circle to where we started. I asked for a supervisor and was sent, after a long wait, to a voice mail for XXXX XXXX. I am awaiting a response.In the meantime, insurance on all three properties has lapsed, and the underwriter is refusing to reinstate, even if they receive the payments immediately, so I am now being required to await another quote from underwriting, and will most likely have to pay out of pocket for the insurance once that is received to avoid further exposure. I am living paycheck-to-paycheck right now, and can ill afford this additional expense after having dutifully made my principal and escrow payments each and every month on time and without fail. If I am having so little luck getting them to pay the insurance in a timely manner, I feel that I have little chance of collecting reimbursement form them for paying the insurance myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: Worldwide Processing Group, LLC
State: TX

Complaint narrative:
In the past week, I have received the same call four times. It is a robocall stating that it is for XXXX XXXX. The first time I simply hung up. The subsequent times, I dialed 0 to speak to someone. First time it was a woman, second and third times it was a man. None ever gave their name, all were rude. The final man, XX/XX/2018, was exceptionally rude after I told him that I had repeatedly asked them to drop my number as I am not, nor do I know, XXXX XXXX. The man began yelling and I yelled back to drop my number. At this time, my husband is hospitalized in critical condition, and I am afraid to not answer the phone if I am not at the hospital for fear the caller will be from a hospital, doctor or other care facility. Therefore, ignoring an unknown number is not possible for the time being.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: TX

Complaint narrative:
cra violationsent po report and idtheft govnot mine XXXX XXXX and equifax taking more than 30days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I am to report a HIPPA Violation on an outstanding medical balance on all 3 of my credit reports. I sent a certified letter to Paramount Recovery on XX/XX/XXXX requesting that they validate the alleged debt and that I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. My letter also stated that I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient’s authorization. Therefore, my request is twofold—validation of debt and HIPAA authorization.  On XX/XX/XXXX I received an envelope that consisted of my medical records from XXXX XXXX XXXX XXXX, which is a violation. I am requesting that the charges be removed from my credit reports w/ XXXX, XXXX and XXXX (any credit bureau that they report to) due to I do not owe Paramount Recovery. I did not give permission for any medical provider to release any of my medical information to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Long term customer of Citibank ( 10 years + ) - platinum visa card. Perfect pay history with Citibank and all other creditors.

Citibank misapplied one payment ( as I had made it 3 weeks early - they erroneously applied the payment to the previous month ).

Once I contacted Citibank they fixed the error and properly re-applied the payment and reversed the late fee.

However several months later when I applied for a second VISA card - they turned me down citing a recent late payment - I explained that this was their error. They acknowledged this from notes in their system yet refused to grant further credit or reverse the credit inquiry or give me assurance that their error was not reported to the credit repositories.

I would like Citibank to reverse the credit inquiry and update the repositories that there was no late payment.

I highly value my credit rating, which is perfect and I do not want Citibank ; s error to blemish this perfect record. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, 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 non-monetary relief