vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 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: FIRSTBANK
State: MT

Complaint narrative:
I had a checking account with FirstBank in Colorado that was opened XX/XX/XXXX. In XX/XX/XXXX, I relocated to XXXX, WA for employment. During the move, a deposit from a former employer was returned and overdrew the account unbeknown to me. It was not until XX/XX/XXXX that I found out when it showed up on my credit report. I immediately paid the balance in full. 

FirstBank reported this as a " Line of Credit '' " paid charge off '' account. This was never a line of credit. Later on XX/XX/XXXX, they changed it to " included in bankruptcy. '' It was never involved in a bankruptcy. 

In trying to work with FirstBank, XXXX XXXX, I have been unsuccessful in resolving this issue. This was a checking account. Not a line of credit as being reported. Never at any time was an application filled out for a line of credit. 

This should be removed from my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
For 7 years I have faithfully been paying off a XXXX XXXX XXXX XXXX balance from {$13000.00} to today {$750.00} : Now : XX/XX/XXXX I asked Ms. XXXX of Chrysler Capital to provide me option to pay XX/XX/XXXX and pay off the remaining balance in XX/XX/XXXX. Non-negotiable. I stated fine. put me in collections if you refuse to work with me in order to pay off remaining balance to release full-title and lean of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: Paypal Holdings, Inc
State: MD

Complaint narrative:
I made a purchase in XX/XX/2018 at XXXX XXXX XXXX  XXXX using paypal. I returned some of the items in XX/XX/2018. For over 2 years I have contacted paypal to process my return they refuse to process my return to my XXXX  XXXX XXXX credit card and insist on charging me a fee to get my {$26.00} return processed. 

This is unacceptable and beyond poor business practices. I am requesting that my return be processed with interest. 

I have tried to resolve this issue over and over again both on the phone and via the chat they refuse to process my return to the credit card stating the return was rejected. XXXX  XXXX XXXX has no information on a rejected return. 

I should not have to pay paypal a fee to process the return for my purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: FL

Complaint narrative:
I received a notification of a creditor placing an account on my credit report for XXXX XXXX. Ive never had or spoken to anyone from XXXX XXXX. I immediately asked the company Allied to provide me with legal validation of this debt. In return they sent back a copy of a bill the does not have my SIGNATURE showing I was even aware of this bill which is a violation of my right as a consumer under the FDCPA. Im seeking original documentation between myself and XXXX  with ORIGINAL signatures and they have failed to send me therefore Im asking the account be deleted permanently from my credit report.

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 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Over the course of the last few years ( dating back to approximately XXXX ), I have had several Citibank Mastercards and 1 Citibank bank account that earn XXXX XXXX miles as rewards for spending money on the cards or depositing money in the bank account. Citibank and XXXX XXXX have a corporate partnership whereby Citi buys miles from XXXX  and gives them to customers as rewards for using Citi financial products. 
On XX/XX/XXXX, XXXX XXXX unilaterally and without warning terminated my frequent flier account, cancelled an existing ticketed itinerary, and confiscated over XXXX miles. XXXX  has provided only a vague accusation of " fraud, misrepresentation, or abuse '' with no detail of the alleged infraction, and no way to contact them to discuss or appeal this decision. 
As Citi is subject to financial regulations and CFPB oversight, I request that CFPB investigate this fraudulent practice by Citi and XXXX. I met the terms of my agreements with Citi, they awarded me miles as a reward for my business, then XXXX  stripped those rewards with no warning or appeal. 
The value of the XXXX confiscated miles is {$4400.00}, and the cancelled itinerary will cost me approximately {$8200.00} to replace.

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 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I make a payment arrangement in " Bank of American '' Agreeing with {$200.00} dollars a month. However, Bank of American continues to call me every month on my Job with harassment calls about the {$200.00} that I have been paying every month. 

Also, I don't understand. I am making payment to them and the calls continue every month.

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 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: CO

Complaint narrative:
On XX/XX/XXXX I informed the Army Air Force Exchange Services that I was a victim of identity theft and a Military Star card was taken out in my name. They refused to take action. I demanded the account be closed. 
On XXXX XX/XX/XXXX as requested I notified AAFES fraud department via email. I then called AAFES to confirm receipt, but again the representative refused to contact the fraud department to confirm receipt. After my insistence the representative contacted the fraud department and confirmed receipt. 
Subsequently, they sent multiple emails, and bills trying to collect the debt. 
In XXXX they sent me a credit card for the account I did not open. 
In the first week of XXXX they notified two members of Congress and myself that the account is closed, they would zero the balance, and would remove the account from my credit report. 
However, on XXXX XX/XX/2020 they sent another email indicating I still owed them money. Thus, the lied to Congress and myself.

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 2020-02-21 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: MT

Complaint narrative:
I had a checking account with XXXX in Colorado that was opened XX/XX/XXXX. In XX/XX/XXXX, I relocated to XXXX, WA for employment. During the move, a deposit from a former employer was returned and overdrew the account unbeknown to me. It was not until XX/XX/XXXX that I found out when it showed up on my credit report. I immediately paid the balance in full. 

XXXX reported this as a " Line of Credit '' " paid charge off '' account. This was never a line of credit. Later on XX/XX/XXXX, they changed it to " included in bankruptcy. '' It was never involved in a bankruptcy. 

In trying to work with XXXX, XXXX XXXX, I have been unsuccessful in resolving this issue. This was a checking account. Not a line of credit as being reported. Never at any time was an application filled out for a line of credit. 

This should be removed from my credit bureau.

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 2020-02-21 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: MT

Complaint narrative:
I had a checking account with XXXX in XXXX that was opened XX/XX/XXXX. In XX/XX/XXXX, I relocated to XXXX XXXX for employment. During the move, a deposit from a former employer was returned and overdrew the account unbeknown to me. It was not until XX/XX/XXXX that I found out when it showed up on my credit report. I immediately paid the balance in full. 

XXXX reported this as a " Line of Credit '' " paid charge off '' account. This was never a line of credit. Later on XX/XX/XXXX, they changed it to " included in bankruptcy. '' It was never involved in a bankruptcy. 

In trying to work with XXXX, XXXX XXXX, I have been unsuccessful in resolving this issue. This was a checking account. Not a line of credit as being reported. Never at any time was an application filled out for a line of credit. 

This should be removed from my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: MT

Complaint narrative:
I had a checking account with XXXX in XXXX that was opened XX/XX/XXXX. In XX/XX/XXXX, I relocated to XXXX XXXX for employment. During the move, a deposit from a former employer was returned and overdrew the account unbeknown to me. It was not until XX/XX/XXXX that I found out when it showed up on my credit report. I immediately paid the balance in full. 

XXXX reported this as a " Line of Credit '' " paid charge off '' account. This was never a line of credit. Later on XX/XX/XXXX, they changed it to " included in bankruptcy. '' It was never involved in a bankruptcy. 

In trying to work with XXXX, XXXX XXXX, I have been unsuccessful in resolving this issue. This was a checking account. Not a line of credit as being reported. Never at any time was an application filled out for a line of credit. 

This should be removed from my credit bureau.

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 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I reached out to XXXX and I was told I had an open loan with this company. I never heard of this company plus XXXX had no number to contact the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
As of today XX/XX/2020 my son and I have not received XXXX statement. It is due XX/XX/2020. 

XXXX statement due XX/XX/2020 was received on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: LA

Complaint narrative:
I bought my house on XX/XX/XXXX. I closed my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they sold my mortgage to Ameri Home Mortgage on XXXX, XXXX. Since then, I paid seven {$3000.00} mortgage payments. After I closed my house, I I didn't get any Loan statements from my previous loan company, until they sold my mortgage to XXXX XXXX. There I found that all of my payments are not displaying in the statement. I called my new company several times since XX/XX/XXXX to XXXX, XXXX to fix my mortgage statement in online or paper copy. They said they will do it but don't do it. Even I send them copy from my bank of my checks still they don't take it seriously. 

I paid extra money so I can lower my principal and stop paying for the PMI. But every time I pay they take it as a mortgage payment and pay for the future mortgage payment. I paid last time on XX/XX/XXXX. My mortgage is not due until XXXX XXXX. 

I called them several times and request them to transfer it to my principal, they donot do it. 

I am requesting you to find out what happened to my all payments and why they don't transfer my money to principal not mortgage interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
My wife and I have been trying to refinance and pull cash out. The loan to value is low We are using my VA benefit. We have had the inspection and there are several small items, primarily peeling exterior paint on molding around garage doors and windows. I contacted the VA and was told due to weather the VA would give them a waiver. 

My lender Freedom Mortgage, who currently has our mortgage, would not request the waiver but instead want to do an escrow holdback for {$1300.00}. My fear is that I can not get the paint complete due to weather ( I am in the XXXX in XXXX XXXX within in their timeframe which I am sure will include fees. 

I feel the company is putting an additional barrier up for me to use my VA benefit.

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 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I received my annual escrow shortage statement and called to discuss why they only allow me to pay a portion of the shortage and not all of it to keep my monthly payments level. The only reason I was given is that it was a RESPA requirement that they had to spread a portion out to each monthly payment. 

I explained that I have the money now to take care of the difference and that continually increasing my monthly mortgage payment causes a financial hardship throughout the year. The options they gave me were to refer me to collections to adjust my monthly payment. I don't want to adjust my monthly payment and extend the loan I want to pay the entire difference in one lump sum and keep my payments the same. 

I have reviewed Shortages, Surpluses, and Deficiency Requirements 12 CFR 1024.17 ( f ) and I see that if the shortage is less than a monthly escrow payment I should have the option to pay it all at one time. My concern is the shortage is anticipated/estimated so they have no way of really knowing at this point that it is over the monthly escrow payment. 

I realize the law is there to help protect the person paying the mortgage but in cases like mine it can create a hardship and there should be an option to pay it in one lump sum. 

I have no way to contest that their anticipated amount is correct or not and therefore, request that you help me with PNC Bank 's estimate and find a way to stop them from continually raising my monthly payments when I have the means to keep them level by paying the shortage as one lump sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA INVESTIGATED FRAUD CHARGES IN MY FAVOR. {$470.00} XX/XX/XXXX see attatched Fraud letter dated XX/XX/XXXX. USAA documents after investigation with merchant Disputes listed see attatched statement XX/XX/XXXX * SAME CHARGES ARE NOT IN MY FAVOR. They INCLUDE ALL XX/XX/XXXX XXXX CHARGES. XX/XX/XXXX Transactions listed on attatched XX/XX/XXXX statement Transactions to include NEW PURCHASES of XX/XX/XXXX ( ref # s begin with letter F ) USAA can view them on line on these two statements XX/XX/XXXX listed without F in ref # and XX/XX/XXXX. ( F ) ref # s XXXX. USAA LISTS AS NEW PURCHASES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attatched statement XX/XX/XXXX Transactions ARE THE SAME USAA INVESTIGATED AS ( UNAUTHORIZED FRAUD * IN MY FAVOR ) and never paid USAA CREDITS. see statement of merchant credits ONLY. How could they also have ( INVESTIGATED THE SAME CHARGES AS DISPUTES * NOT IN MY FAVOR??? ) USAA INVESTIGATIONS CLEARLY ARE DISHONEST! Also KINDLY NOTE BOTH STATEMENTS ONLY LIST MERCHANT CREDITS APPLIED ** NO USAA CREDITS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I had an account with XXXX in XXXX. I closed the account and switched to XXXX and was with XXXX for the following 15 years. I started receiving calls from XXXX and then from a debt collector stating that I owed {$660.00} for air waves which are devices placed in a home to increase cell service. They stated that I had had an account with XXXX from XXXX-XXXX. I was very clear that I closed my account with XXXX in XXXX and they could see that my contact information on file was from XXXX ( a college email account- I graduated from college in XXXX ). I disputed the account in its entirety and was told it was a common issue, when a customer closes an account but it doesnt get closed and someone else uses it. I didnt hear anything for one year, then received another collections call. I went into my local XXXX store to inquire as to the legitimacy of the call and was assured that there was no account on file and the collections call sounded like a scam but was advised to call their 800 # to confirm. At the 800 #, I was told that there was a closed account, which should be the case since I closed it in XXXX, but the rep told me that since I couldnt give her the account password, she couldnt tell me any details, and none of the contact info on file belonged to me. My credit report updated today and it says I was reported to collections and it is now on my credit! I have never had a collection, my score was over 800, and I have not had a XXXX account since XXXX at which time I closed it. I never had an air wave when I was with XXXX, either!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XX/XX/2019 we received our monthly mortgage statement and the payment had been increased by {$600.00} per month. When we called, we learned that the escrow had a shortfall situation. Upon further research, it was determined that the taxes had not been addressed appropriately when the mortgage was done due to our home being new construction in a neighborhood. We also learned that this mortgage underwent several checkpoints in which no one caught this mistake on our estimated taxes. Therefore, Wells Fargo both needed to recoup their loss and then make up the amount that needed to be added back to the escrow. 

We had a baby on XX/XX/2019. So my wife was on unpaid leave to top this situation off. When we called Wells Fargo, we were told that they would not help us and that they also would not waive any late fees. We have struggled to make these payments and it's put us nearly into financial ruin. We had to use the funds we saved to pay the medical costs from having a baby in order to keep our home. So now we are in collections for those. The late fees on our mortgage continue to pile up and we stress every month because we don't know if we can make the payment before our credit is affected.

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 2020-02-21 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original account was with XXXX XXXX XXXX. I signed a lease with XXXX XXXX XXXX on XXXX. I have attached a copy of the lease agreement. My monthly rent for the term of the lease was {$1000.00} however, the apartment complex was charging me a different amount that equaled MORE each month than the lease agreement. I immediately contacted the leasing office and the representative of the apartment complex assured me that they would revise their accounting to reflect the agreed amount of rent being charged. Unfortunately, they did not honor their commitment and after I had moved out they sent this account to collections. There should be no outstanding balance due. I did not know that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation