vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: RI

Complaint narrative:
So my mortgage conpany is fredom mortgage. They are trying to tell me to pay XXXX now or break it up $ XXXX month for year for '' anticipated '' escrow being negative. They are any many other companies especially in XXXX RI are stating they want escrow upfront. XXXX  town hall charhes quarterly i went to town hall they stated that has not changed. The letter i received stating pay now or up {$200.00} starting XXXXwas received last week! I struggle paying XXXX month now XXXX month is going to be difficult. I know some have fixed thru this site and some fighting with their company. I am at a loss and do not want to lose my home. Ty 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 2019-10-08 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: FL

Complaint narrative:
Experian is not properly looking at the information on my report and is not making XXXX XXXX XXXX  XXXX properly and correctly provide sufficient information. This negative reporting account XXXX is not my account but the XXXX is. Experian has not been helping when I requested a re-investigation they are not re-investigating they are only going by the outcome from 5 years ago and it is not fair. This information on my report is not correct and its affecting my report! 

I took out a loan with XXXX XXXXXXXX some years back on a car that I had already owned! A XXXX  XXXX XXXX which was {$5000.00}. The loan was paid in full and I received proof of payment and the title. The problem is XXXX XXXX is damaging my credit report with all three credit bureaus as if I took out two separate loans with them and I only had one EVER! One account is showing under account number XXXX and the other is showing under XXXX. They are reporting one correct in good standing no late payments, then the other they are reporting 120 days late WHICH NEVER happened this error is under account number XXXX. 

I have disputed this several times and XXXX XXXX XXXX XXXX is refusing to view their records to see their mistake to correct it, they are only seeing that I did have a loan and reporting it as accurate. I have reached out to XXXX XXXX by phone and certified mail to correct this. When I called I was informed by the rep with XXXX XXXX that my account was never 120 late, which I knew. She provided me with their reporting department address. I sent them certified letter with proof with no response! I even emailed and to the CEO and still no response!

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 2019-10-08 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: AL

Complaint narrative:
I sent my dispute letters to Experian, XXXX, and XXXX showing proof and law from the FCRA, but they will not delete the inaccuracies of my credit files. Inaccuracies from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, Department of Education , XXXX XXXX XXXX, XXXX XXXX, and XXXX. What more do the credit reporting agencies want?

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 2019-10-08 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: IL

Complaint narrative:
On XX/XX/19 I was checking my email and immediately saw a email from PNC bank saying that my account was over-drafted in the amount of XXXX cents at XXXX XXXX this morning. So I immediately transferred the funds into my account from my reserves because I have the virtual wallet. Then I went on to realize that I was charged a overdraft fee of XXXX. So immediately I contacted my bank when they opened to see if they would wave the overdraft fee. Mind you that I shouldnt have even been charged a fee because I have overdraft protection and any other time PNC takes the money from my other accounts. There was XXXX in my reserve. But on midnight XX/XX/19 everything went hay wire and then Im told that my fee cant be reversed because I have a bad banking history. Really!!! Which I do not by the way and this was not even my fault!!! Then Im told I have to wait 2 days to talk to someone to resolve this issue!!!! Insane!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-08 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: FL

Complaint narrative:
Equifax is not properly looking at the information on my report and is not making XXXX XXXX XXXX  XXXX properly and correctly provide sufficient information. This negative reporting is affecting my report tremendously! I have disputed and reached out to Equifax several times to fix this issue and they have not been any help. This account is reporting on my report twice, this account was paid in full and closed, YET Equifax is allowing XXXX XXXX XXXX XXXX report an account that was paid in closed 5 years ago STILL report on my report monthly!!!! This account was never 120 days late. Equfax has not been helpful when I requested a re-investigation they are not re-investigating they are only going by the outcome from 5 years ago and it is not fair. This information on my report is not correct and its affecting my report! They are refusing to take the time and do the work. 

I took out a loan with XXXX XXXX some years back on a car that I had already owned! A XXXX XXXX XXXX which was {$5000.00}. The loan was paid in full and I received proof of payment and the title. The problem is XXXX XXXX is damaging my credit report with all three credit bureaus as if I took out two separate loans with them and I only had one EVER! One account is showing under account number XXXX and the other is showing under XXXX. They are reporting one correct in good standing no late payments, then the other they are reporting 120 days late WHICH NEVER happened this error is under account number XXXX. 

I have disputed this several times and XXXX XXXX XXXX  XXXX is refusing to view their records to see their mistake to correct it, they are only seeing that I did have a loan and reporting it as accurate. I have reached out to XXXX XXXX by phone and certified mail to correct this. When I called I was informed by the rep with XXXX XXXX that my account was never 120 late, which I knew. She provided me with their reporting department address. I sent them certified letter with proof with no response! I even emailed and to the CEO and still no response!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: Associated Credit Services, Inc.
State: MA

Complaint narrative:
This company responded to me on a previous complaint that they closed this account and returned it to their client and that they are no longer the company to deal with this account but yesterday XX/XX/2019 I received a letter from them asking me to pay them. Is this a joke or what is going on with this company. I am providing their response to my first complaint. The letter also says final demand for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Ive had this car since XXXX of 2016 and they told me only XXXX dollars came off the loan Ive complained to them many times about the loan and Ive complained that they are collecting on a car that has factory defects to the car is a lemon reported by XXXX  and they charged me to much for the car and they are not applying my money to the principal and they are charging me interest everyday Im late even before the ten day grace period starts Ive told them the car has been in the shop over 15 times and it s still in there for the same thing from two years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I made a {$3000.00} check deposit using my mobile app. At 1st it was indicated that the funds would be available for payments next business day then cash withdrawal 2nd business day. Then I  notification that hold had been placed on the deposit until XX/XX/XXXX which is a 10 day hold. I made the deposit Saturday XX/XX/XXXX. The funds were withdrawn from the account I wrote the check from on XX/XX/XXXX. 

Bank of America is the institution that placed the hold. The funds came from my XXXX XXXX money market account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I co-signed for three loans for my niece While she attended XXXX college and XXXX college. At the time of co-signing all loans was told release as soon as she has job. I was lied to in person at XXXX college and prior to our house being destroyed I had documentation of Citibank document from XXXX College. About two year co-signer release. I sent this to ceo at Citibank and executive office still denied release on XXXX and XXXX XXXX. I also sent complaint to him about misapplied payments or not applied and sent proof and it took years to fix my credit report. Only blemish was from Citibank!!! Loans taken out XXXX. We have had consistent problems with payments not being properly applied and took many letters to get my and her credit report corrected. However prior to without my knowledge they allowed her to change payments on loans and she was told it would not affect loan total or interest. They just could reduce payments. It did. I called. No one cared. She also tried to get me released from loan. We Followed Citibank process and Citibank continued to deny after repaying loans for at least six years and she had great job. XXXX and Now today Citibank split up servicing of 3 loans XXXX XXXX has one loan go on site and only will give three statements and discover has two. XXXX loan started XXXX. Now 3,500 ish. XXXX taken same time started XXXX. Today Balance after over a hundred payments and I know for years the amount was at least {$170.00} equaling payments {$15000.00} on their systems. And No late payments and some extra payments. But I cant verify this because audit trails not on site. I have asked for audit trail of 112 payments applied. If I pay based on XXXX terms for total of 240 payments it will be {$45000.00}. Not the note I agreed too. How is it feasible both loans taken for ten years from Citibank. XXXX now changed to 20 I signed promissory note with Citibank and Citi bank altered. However Citibank allowed borrower to change terms without co-signer knowledge and they called her to offer this great deal. and she agreed based on incorrect information. To date I have not been contacted by Citibank about co-signer release denial s and ruling XXXX or anything else. Student loan low interest is not so low. And this needs to be looked into Citibank even has XXXX charging over a 100.00 every month for interest absolutely crazy

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 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Good morning : My husband is a XXXX veteran and is XXXX XXXX. I am his XXXX.  I found that USAA bill pay is taking funds out of our account at different times without authorization from my husband. 
Please investigate. I will provide more information if needed. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
I recently filed some disputes as well as a Compliant with my bank due to the unauthorized transactions as well as recent returned checks and inappropriate fees assessed and overall mishandling of my account .. I rarely cause issues and am rarely overdrawn in my account. As a result of me decision to stand up for myself and advocate for myself the bank has now closed my account. No reason given. The hardship this is creating was unnecessary. My bank account is in good standing 99 % of the time .. for this to happen bc i made a complaint or a little noise in order I get my money back ... is just horrible customer service and truly unethical. U have been with Renasant for years. My money is automatically deposited and I thought until recently we had a good relationship XXXX the fact I justifiably complained and disputed recently shouldnt mean that they just shut me down completely. But there is nothing I can do about it and Im sure it will be very hard for me to open another account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent my dispute letters to XXXX, Transunion, and XXXX showing proof and law from the FCRA, but they will not delete the inaccuracies of my credit files. Inaccuracies from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, Department of Education , XXXX XXXX XXXX, XXXX XXXX, and XXXX. What more do the credit reporting agencies want?

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 2019-10-08 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: AL

Complaint narrative:
I sent my dispute letters to XXXX, XXXX, and Equifax showing proof and law from the FCRA, but they will not delete the inaccuracies of my credit files. Inaccuracies from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, Department of Education , XXXX XXXX XXXX, XXXX XXXX, and XXXX. What more do the credit reporting agencies want?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I need statement copies for my checking account with TD Bank, now closed. These documents include from account opening until closing. These are needed for accounting purposes and in a paper format, not file. TD Bank marked my prior request as duplicate when in fact it is not, any prior statements received in the past were since discarded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
*Update* I disputed XX/XX/XXXX this with CFPB and the company responded that they would have it deleted from credit bureaus within 24-48 hours however, they only had it deleted from XXXX and XXXX. It is as of today ( over a week later ) STILL on XXXX. 

*Original dispute* In XXXX of XXXX I was approved for 100 % financial aid with XXXX XXXX XXXX. The dates of eligibility was effective from XXXX. I went to the hospital on XX/XX/XXXX within the eligibility dates. I received a discounted bill from XXXX but not for the full 100 % with the amount remaining of {$1900.00}. I called the hospital and they said someone would look into it. This went on in a back and forth manner until I received a collections bill from Medical Revenue Service on XX/XX/XXXX. I disputed this by sending them a dispute letter and a copy of our financial approval letter on XX/XX/XXXX via USPS mail. I did not hear back from them so I assumed that took care of it. Then in XX/XX/XXXX I found it had been added to my credit report. I contacted Medical Revenue Services to explain that it was not a valid debt but they insisted it was and did not seem at all interested in the letter of approval for financial aid. I disputed this debt twice with the credit bureaus with no success. Finally, I have cleared this up with the hospital directly and have a letter that the amount in question has been adjusted to XXXX. This is the the second time in XXXX that Medical Revenue Service has done this to me. And by " this '' I mean putting something on my credit report without prior contact and/or properly verifying the debt to the consumer.

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 2019-10-08 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: LA

Complaint narrative:
+HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
My bank account with TD bank was levied for all the money/balance. I was informed that " Midland Funding '' LLC was behing this levy on my account. A sheriff court officer supposedly provided a supeona to my bank. I don't recall ever signing off and acknowledging any debt for the over {$3000.00} I supposedly owe. I would like to know who the origicanal creditor is of this debt. I have read many other complaints online in reference to this Midland Funding. Perhaps I will speak with an attorney about this levy. In the meantime I was told to inform FTC. I assume perhaps you all have received complaints about this company. Please see the following websites where other people have complained. This company needs to be investigated. It seems like they are attempting to collect on very old debts. Please take a look at the following complaints on a few websites that I visited. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity Capital Bank issues and services the Orbitz Rewards Credit Card. 
The very first statement I received was on XX/XX/XXXX. 
The statement in the amount of {$890.00} was paid in full on XX/XX/XXXX, even though the payment due date was XX/XX/XXXX. 
On XX/XX/XXXX, Comenity Capital Bank or its subsidiaries initiated an electronic debit from my bank account for {$580.00} to pay for the CURRENT month transactions. 

Comenity Bank 's action to electronically pay {$580.00} for the current unbilled month credit card transactions was NOT authorized. However, even adding the current monthly transactions to XX/XX/XXXX, the actual amount owed on XX/XX/XXXX, was a negative amount at - {$480.00}. So where did this {$580.00} come from? 
Agents representing Comenity Bank insist that the {$580.00} payment was a statement balance and authorized. 

The industry standards for a revolving charge credit card account is that the credit card issuing bank gets paid the statement balance until the following months ' statement.

The action taken by Comenity Bank is non-standard and allows the bank to collect for current billed transactions which are not due to be paid until the following month bill due date.

Comenity Bank 's actions are NOT designed to protect consumers and are unfair business practices on the part of the credit card issuer.

Company response to consumer: Closed with explanation