vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have made a complaint before about this U.S. Bank Mortgage Loan # XXXX and still have NOT been able to get a straight answer from the bank about my homeowner 's insurance requirements. When I complained around 6 months ago, the bank responded in a letter to ME AND CFPB that said I NOT REQUIRED to have Flood Insurance AND H06 Hazard Insurance on the Condominium Unit because I have coverage through the XXXX XXXX on the Whole Building. I only owe {$20000.00} remaining on the mortgage. I just called the bank today and they said the bank still requires insurance coverage on the property and they don't have a copy of that letter and need ME to send to them via US Mail, because I can't fax or email them! I faxed 10 times with copies of my current Condominium coverages and they say they don't have anything. Now, I can't fax anything and I  have to pay for postage to send them all the documents I have already sent to them via a secure website they say does NOT work. If I pay off the remainder of this loan tomorrow, I will no longer have any insurance requirement because I WILL OWN THE NOTE! I don't have enough money to pay off the loan now because I lost my job and over {$100000.00} in the stock market because of the Covid-19. The bank has granted a forbearance for 3 months but I am still getting late fee AND foreclosure warning notices. When I called to day they said don't worry about it and disregard. When I login to my account I don't see any late fees and foreclosure messages. So, I guess I am not going to worry about it? I would be lying if I said I am not worried. Please help and this time make the bank keep a record of the response to this complaint so I AM NOT HAVING TO MAIL EVERYTHING TO THEM! Thank you I guess.

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 2020-04-29 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: DISCOVER BANK
State: CT

Complaint narrative:
Attempts to pay Discover automatically rerouted to customer services who delayed with chit chat until past XXXX XXXX  cut off and then added late fee. I kept saying may I pay now? Did not execute payment until XXXX XXXX EST, XX/XX/2020 still plenty of time before midnight. They documented payment as of next day XX/XX/2020 and stated late fee applied. Would not reverse when I called the next day. They have done this several times. I always pay on the XXXX. Best practices would be to credit when transactions are verified. It is their system error. They corrected in past but now say since it was corrected before, they will not correct THEIR mistake again. Millions of customers are being needlessly charged late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I attempted to speak with the leasing company XX/XX/XXXX as I was working to recovery all balances owed so that I could setup balances due with a credit counseling company to complete my action plan directive, so that I could purchase a first home. I received a ledger signed by a XXXX XXXX rep advising the balance owed was {$1100.00}. I emailed them again shortly prior to my in person visit to confirm the balance and see about rendering the balance, and as of to date i still have not received a response, I was noticed on XX/XX/XXXX that XXXX XXXX XXXX, had forward my account to collections without communications to me regarding the balances owed/responses to call or emails. National Credit Systems , Inc. XXXX. XXXX XXXX XXXX, GA XXXX Toll Free : XXXX Phone : XXXX EMail : XXXX. 

I reached out to the collections company whom enabled me access to their site where i was able to get a brief itemized balance advising I owed XXXX when I was finally able to reach someone from XXXX XXXX after several calls on XX/XX/XXXX I was advised the balance was for damages to carpet. But according the prior ledger ( attached ) it was written off in XX/XX/XXXX. But re-added and submitted to collections shortly after my in person visit seeking the ledger so that I could remedy the balances as per my action plan for first time homeownership I pulled the documents rendered to the collections agency to find that the charges where not correct/ matching the balance due on the ledger of {$1100.00} as well as the lease or rental agreement they rendered is not me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Wednesday XX/XX/XXXX, unable to recieve XXXX dollars from an app called XXXX and would love to have it fixed so i can fix my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: IA

Complaint narrative:
To Whom It May Concern, Please may I ask for your help? Due to my wife needing XXXX. I was forced to take a pay-day loan from a company in XXXX  XXXX, Wisconsin. Due to the COVID - 19 outbreak I have now lost my job of 12 years. The company is known as Advance America. The interest on this loan is 235 % annually. I called the company and inquired if due to the pandemic, the company was not allowing for interest to accrue. I was told there are no requirements for the company to abide by. This seems outrageous to me, as all regulated banking institutions are working out forbearance agreements with their customers. Why does not the State of Wisconsin allow for companies to operate such as this? 
Every other company that I am dealing with, is allowing for no accrued interest and no late fee penalties. The company takes the stance that they are here to help those in need, Really? If so, help now when the world is devastated. I sincerely want to get the organization paid in full as fast as possible but I need their cooperation. I sincerely can not pay interest in the hundreds of extra dollars This company also assured me that they do not do hard inquiries on credit reports, yet I have them on my credit report. This I feel is taking severe advantage of individuals that are in trouble financially. I needed a " fast '' loan that I had all good intentions of paying back within 2 months. Then the world fell apart and now I am stuck. May I please ask for your support in these difficult times, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: AL

Complaint narrative:
i was written a check by a customer who has pnc bank, the check was for XXXX i tried opening and account earlier that day they said i have to do it online or make an appointment for next week. i had to pay bills so i had to cash the check and they charged me {$27.00} to cash a {$1300.00} dollar check. This does not seem right to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collections I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPTEDXXXX XXXX {$2200.00} XXXX XXXX {$130.00} XXXX  XXXX {$250.00} XXXX  XXXX {$2000.00} XXXX XXXX {$63.00} XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX {$35000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

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 2020-04-29 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collections I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPTEDXXXX  XXXX {$2200.00} XXXX XXXX {$130.00} XXXX  XXXX {$250.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$63.00} XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX {$35000.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

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 2020-04-29 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: TX

Complaint narrative:
Im writing this because of Non-Compliance of credit bureau to complete investigation. I sent off letters to have account investigated that are incorrect and they came back as verified accounts. No way these accounts have been investigated if they were then all the information reported would match on my credit reports. How is the same data furniture reporting different across all the reports?

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 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Talked to their loss mitigation department I was offered a verbal loan modification and then 30 days later they said no to the modification and are now going to auction off my house I have talked to at least 8 different people at Shellpoint mortgage services and appear to be getting the run around I have been making payments all along but now they want to increase my payment amount which I can not meet They even sent back my last house payment twice now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a fraud alert from Citibank on XX/XX/2019 alerting me of a fraudulent ATM withdrawal from my checking account. On receiving the alert from my bank, I contacted the bank and found out that there had been an attempted cash withdrawal made from my account from another area in the state while I was at home that morning. The bank representative canceled the debit card immediately and asked me to verify previous transactions made from my account. At that point, I found that there were several fraudulent ATM withdrawals made from my checking account over the past few weeks beginning on XX/XX/2019 ( Three withdrawals totaling {$600.00}, and one deposit of {$200.00} ). I then filed a claim with the bank to reimburse my money for these fraudulent withdrawals. After reviewing my claim, the bank notified me on XX/XX/2019 that they were unable to honor my request for reimbursement due to the debit card being in my possession and the activity was consistent with my normal banking activities. 
I filed a police report on XX/XX/2019 regarding this incident.

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 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
In two different months I tried to send money to XXXX as I am a XXXX-XXXX  to an American citizen in XXXX who needs the money and both times Wester Union has not processed my debit card which they charge at a lower rate and force me to use a credit card with, in my case, {$20.00} markup. The option to pay with debit card is available but no in practice. I wonder if this is another fee issue with WU, they have a checkered story. I checked with my bank ( XXXX  ) and they have no problem since I had money in the account and they have no issue of fraud with either. It is not a lot of money, but it does multiplied by many customers can be significant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XX/XX/2020 I have been trying to link an online account so I am able to deposit money into my PNC checking account that I have had over 45 years the same account with PNC over 45 years the bank was first national city until bought out by PNC. I am unable to have this online lender link up with my PNC bank account which is completely unethical when I am the one who is trying to link this account so I am able to receive money through this Wonder so I can make some of my household bills and get a loan to do some household repairs and which I am unable to do because PNC Bank will not let me a link my account. I have personally called PNC Bank about 25 times this is about the fourth time I am doing this complaint this is completely ridiculous why am I not able to link my own bank account it's my account through PNC Bank this is completely ridiculous it's my account why am I not able to link my account when I'm the one who's authorizing this? Kiss somebody contact me please XXXX sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA

Complaint narrative:
MICROBILT feels they can keep pulling my credit report without my authorization, I never or will I never agree to have MICROBILT pull my credit report. 

I do not believe anyone in the right mind or even crazy would let MICROBILT pull their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
There was some type of discrepancy between my mortgage company and the escrow account of my mortgage, I recently received a notification that my mortgage was going to go up, about XXXX dollars every month for a period of one year. When I contacted the mortgage company for an explanation, they wouldnt give me a clear explanation of the matter. I did an escrow analyses, an noticed that the property taxes were not pay on time, which there was a late fee charge, and also the taxes were pay three times instead of twice. The name of the escrow company is ShellPoint mortgage services. I brought things matter to there attention but they still havent gotten back to me and they are being very unprofessional, as if they dont want to deal with it, and I dont think is fair.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX  XXXX {$870.00} XXXX  XXXX {$14000.00} XXXX  XXXX   XXXX {$600.00} XXXX XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NORTHWEST BANCSHARES INC
State: NY

Complaint narrative:
I just received a letter from XXXX XXXX informing me that my loan had been purchased by XXXX from my current loan servicer ( a bank ) and that my existing loan terms, payments, and condition of the mortgage would not be affected and my servicer would remain the same. My servicer offers mortgage customers the opportunity to buy down their mortgage rate and the ability to go from a 30-year to a 15-year note for {$1500.00}. I have been tracking the rate for several months and wanted to lock in when it could be reduced by at least one percentage point from my existing rate. However, I was told by my servicer today that this option is no longer available to me now that XXXX XXXX purchased my loan, as this would be considered a modification. However, they do allow modifications if I were financially unable to make my payments, but they won't allow a modification related to an interest rate buy down. This is directly harmful to me, as I had no say in whether my loan would be purchased by XXXX, yet now I've lost a beneficial program as a result. My only option is to refinance the mortgage, which would cost significantly more ( $ XXXX $ XXXX XXXX than the program my servicer offers to their mortgage customers. I don't understand why a modification is allowed for a financial hardship but not for an opportunity to reduce my rate and loan term. This is patently unfair and harmful to me as a consumer and I would like to know what can be done about this.

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 2020-04-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have previously sent disputed and the account came back verified. On XX/XX/XXXX I sent a Method of verification to the credit reporting agency for a chapter XXXX that is on my credit report. The agency received it and has failed to give me any results or verification. On XX/XX/XXXX I called and spoke with supervisor XXXX XXXX and asked him for the Method of verification, he said in order to verify it has to be verified through their original creditor or court system and since the courts dont verify with the credit bureaus They use their internal systems and that is their method of verification because it is public record. He then proceeded to tell me that it was my job to go to the courts and see if that was on my report because they didnt have to show me proof of verification.

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 2020-04-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Sent off a letter to get them to investigate inaccurate information from my credit file and they did not. All they did was said the item was verified, how can an item be showing different information across all three bureaus of the same data furnisher provided the information and it was investigated?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I'm trying to link my bank account the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: VA

Complaint narrative:
I had a XXXX XXXX account back in XXXX it is a closed account and paid in full. The company is paid in full on all credit reports. This company is closed and paid in full and the credit reports reflect this. I tried contacting XXXX XXXX and they are no longer in business and now this company Jefferson Capital Systems LLC shows up on my report. A collection company called Jefferson Capital Systems LLC put on the credit bureaus that we owe money to them. I have documents from credit bureaus that this account is paid in full. Please help as no one at the credit bureaus are even looking into my accounts. This company is trying to collect something that is not owed to them. This company has impacted my credit horribly and they should not be allowed to get away with it. I am sending the credit information showing this company is fraudulently reporting and refuses to remove it. The credit bureaus are not taking the time to investigate the companies actions. Below is the information they are reporting to all three credit agencies. I called the company never heard of me. FRAUD! 
JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$6000.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements This is what it states on credit bureaus but it is fraud and does not meet FCRA requirements. It is actually violating FCRA in sections 608 and 611. Please investigate thoroughly as this company is violating FCRA and FDCPA very badly and falsely putting information on my credit reports under collection.

Company response to consumer: Closed with non-monetary relief