vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I received two confirmation # 's from Equifax pertaining to disputes I filed with them about incorrect information on my credit report. They notified me my Equifax dispute has been completed. Confirmation # 's XXXX & XXXX. I have been unable to get the results because their online system continually gives an error message when requesting a copy of the results. I have made repeated calls to Equifax customer service and the call center workers also report that they too get error messages when entering in the confirmation # 's. I have called in to Equifax customer service asking for a member of management and I have been repeatedly placed on hold for long periods of time and eventually been disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX reported my account as delinquent to the credit reporting bureaus for an {$8.00} charge that was incurred for the annual fee. I do not use this credit card and was not given any statements or notices that the annual fee was being assessed to my account. Furthermore, I believe it is deceptive and unfair that the annual fee is split up over monthly payments. This forces consumers to have to use their online payment system which charges a " convenience '' fee for expedited payments. It is also creates a situation where consumers would incur more late fees, which are double the amount of the annual fee amount, if they are not aware that every month the annual fee will be added to their account. This appears to be nothing more than a system designed to extract fees from consumers. 

Additionally, I have never made one late payment in the 3 years I have had this account and when I called they were unwillingly to accommodate my request to update my credit reporting and remove the derogatory remark which caused a significant decrease in my credit score. The amount past due reported to the bureaus was for {$25.00}, which again, consisted of {$8.00} for the " monthly '' annual fee charge and the rest of the balance was entirely late fees.

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 2018-06-25 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I settled debt with 2 credit cards XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX had purchased the debt from lender ( XXXX XXXX XXXX ) so this one is reported to the credit reporting agency. 2 times for the same debt to XXXX and XXXX. I have been in touch with all three Company 's they all said they would contact the agency 's to correct the problem. one of them sent in.some information to fix it, but 4 days later they re reported it to XXXX and XXXX that its a new account in collections. i put a dispute with all 3 of the credit agency 's they have not fix it as will they said we will looking to it and investigate it. It could take up 90 days. it only took 4 days to add it back on. why would they tell me they can help me. they can look at the report and see it was removed than added back on. they are playing with my life. I was going to apply for a home mortgage by now but i'm not able to receive a mortgage now and have to wait until they do some thing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX after XXXX County Florida was declared a natural disaster from Hurricane Irma we reached out to our Mortgage Company XXXX XXXX to see what our options were as were not sure to the extent of the damages and how much it would cost us. I called XXXX XXXX and spoke to Representative XXXX and she stated that the Forbearance would be for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no late charges and payment would begin back in XX/XX/XXXX. We also at that time would have to make a decision ( in XX/XX/XXXX ) to do a payment modification on months in forbearance or pay those months back that was in forbearance ; per conversation with Representative XXXX. On XX/XX/XXXX we received a letter from XXXX XXXX confirming the forbearance for Hurricane Irma. We paid {$3500.00} on XX/XX/XXXX with customer service Rep confirmation # XXXX as we no longer needed the forbearance and didn't use that mortgage payment money therefore we simply paid the months that were in forbearance. On XX/XX/XXXX we received a post in the mail dated XX/XX/XXXX from XXXX XXXX stating they have reported us late to the credit bureau about a late or missed payment. I called on XX/XX/XXXX at XXXX spoke to XXXX a customer service representative asking what payment was late. He stated XX/XX/XXXX on. I told him we were in forbearance at the time due to hurricane Irma and he confirmed this, apologized, stated their mistake and would research it and get back with me. That was two weeks ago, I still have no response from the mortgage company or that our credit reports were fixed.

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 2018-06-25 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: MO

Complaint narrative:
I sent the credit reporting agencies Equifax and XXXX, the police reports, documents from the courts, alone with a fully executed fraud package document and all the other documentation required to block an account that doesn't belong to me. The account Is XXXX XXXX XXXX XXXX. Instead of removing or blocking the account, it was put in dispute status. By law this trade line was suppose to be off the credit file within 48 hours of receipt of the documents submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AP

Complaint narrative:
On XX/XX/XXXX I became aware, via a credit check inquiry, that my mortgage was over 180 days past due totaling {$4100.00} XX/XX/XXXX, I was informed by the previous lender, XXXX XXXX, that my mortgage was transferred to a new lender, Specialized Loan Servicing, in XX/XX/XXXX. However I never received notification from the previous or current lender that the mortgage was transferred. I still have not received a bill or statement from the current lender. 

I phoned the current lender and they didn't have my correct email, phone number or mailing address. They told me the previous company gave them my incorrect contact information. 

I owe over {$4000.00} in back payments and my credit score has taken a huge hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
RE : Barclays Bank of Delaware Acct : XXXX Erroneous Closed Account and Improper Credit Reporting XX/XX/XXXX, Barclays closed my credit card account without any notice and shut down access to my online account preventing me to obtain any statements, etc. 
I had not been using this credit card account as I was traveling out of the country and left this particular card at home ( not to incurr foreign transaction charges and for safety ). All my credit cards are also setup for auto pay. Upon return from my travels, I tried to utilize the card to book travel and was declined which alerted me to an issue. I then found I was not able to log into Barclays website to see what was going on in my account.

Called the company after several transfers was told by the representative who barely spoke English that the account was closed by Barclays due to our " XXXX BK filing ''. I explained that we were forced to go Bankrupt in XX/XX/XXXX and had never missed a payment since and certainly not to Barclays or any other company. Further note no such bankruptcy appeared on my wife 's credit and she has Barclay cards. He refused to talk to me. We lost our significant points with Barclays but more importantly our credit was damaged. 
We ordered our credit and found the XXXX report included this account as having been closed due to a false XX/XX/XXXX Bankruptcy. We sent in correction request to XXXX which has gone without response from Barclays or XXXX. We have been denied other credit cards and this negative has affected my credit score which affects all my credit lines. 
I am now in the process of a home purchase and again found this erroneous entry on my report. I don't know who caused the error Barclays or XXXX sending wrong data to Barclays. Either way neither company corresponded with us before closing the account or since in response to our request for correction.

I had thought the issue being clearly a mistake was working its way thru experians system and would be corrected and honestly forgot about it until I applied for a home loan last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
i was going to a XXXX, that was located in XXXX in XXXX, Ar. and they were using my XXXX insurance i paid the estimated out of pocket the first date i had the treatment. couple months later, this branch had closed i didn't need anymore treatment. 
i had to move to another location because i had some plumbing problems at my house. so i had to move out temporary to my sister in law house. and i forwarded all my mail to the new address in XXXX since i left which was in XX/XX/2017. in XX/XX/2017. i saw a collection on my from professional XXXX XXXX that was oppened. i called them the same day and i told them that i was never notified of this and that i have money on my health spending account. and i don ;  t understand why they didn't contact me or send me a letter informing so i can make the payment. 
they advised that if i make a full payment of the XXXX dollars. they will remove it. i paid on the phone right away. 
they never removed the collections from my 3 credit bureaus. i disputed the collection with each of the credit bureau. it was removed from XXXX, and XXXX. but they don't want to remove it from XXXX. i have never owed a bill to anyone and i paid religiously all my bills i disputed this collection with transunion multiple times. and they keep telling me that creditor said that it's accurate. 

i'm reaching out to you guys to please help me remove this from my credit score. i always paid all my bills i'm never late. i'm a young person working hard to finish my degree and success in life. this is not fair. these credit companies are treating humans like insects we all deserve to be respected and this people are extremely rude and not helpful at all. they hang up the phone on me everytime i try to call them to correct their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a checking account at bank of America on XX/XX/XXXX using a bonus offer I received via email. The requirements were to setup direct deposit and deposit {$4000.00} in the first three months. I promptly setup direct deposit, and met the requirements on XX/XX/XXXX ( bi-monthly payments on the XX/XX/XXXX and the last business day ) .The estimated date of receiving the bonus was XX/XX/XXXX, and the bonus period closed on XXXX.I called Bank of America at the beginning of XX/XX/XXXX to check the status, and was on hold for 30 minutes. Once I reached a representative, I  was placed on hold for another 20 minutes, and was given a different number to call to speak with their " bonus team. '' When I called the number, it was a fake number which was offering me a " free cruise. '' I called back and waited another 30 minutes to speak to someone else. They told me that my account was under manual review and that these things take time, but they saw I met the requirements and to call back in a few weeks. I called back on XX/XX/XXXX and spoke with XXXX, who told me a similar story, and that i should call back in XX/XX/XXXX. On XXXX I called back and spoke with XXXX, who told me I had met the requirements, and to call back at the end of XX/XX/XXXX. I called back on XXXX and spoke with XXXX from Alabama, after waiting another collective 45 minutes, she told me to call a different number, and I was able to reach XXXX from XXXX MA. After about an hour XXXX told me that the account had not met the requirements, because my paycheck did not qualify as direct deposit. He would escalate the issue and have it undergo another manual review, since my deposits are very clearly from my employer ( XXXX XXXX where I am a portfolio manager ). He asked politely that I call back by the last week of XX/XX/XXXX if I did not hear anything, but he would email me with the details of the call and any further information. No email ever came.

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 2018-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: AL

Complaint narrative:
I have been working with a NACA Mortgage Counselor since XX/XX/XXXX. They promote themselves as not relying on your credit score which is a complete fabrication. What do they think a credit score is comprised of ... well it's payment history ... payment behavior!! I knew going into this that I had late payments and some collections. However, the misguided  instructions I have followed have left me worse off that where I began. I was told I needed to pay off my auto loans because of the late payments. If the accounts were paid in full with documentation provided. He would send my file over to underwriting. I spent {$20000.00} paying off my auto loans in order to move forward in the mortgage process. Then around XX/XX/XXXX, I was told I needed to pay off three collection accounts before my file could be sent to underwriting. These are the same collection items that were on my credit report Day 1. I paid one of them off and sent documentation regarding the others. As of XX/XX/XXXX, the " Reviewer '' not underwriter said I would need to wait 6 months to show good payment history. Well what about alternative forms of credit ... ie. utilities, phone, cable, internet, car insurance, etc. They never once mentioned this and he told me that my rental payment history couldn't be used because " we can not do that in our program ''. Really that's not what's in their Home Buyer 's Workbook. I'm no out money that could've been used for a down payment on a traditional mortgage. I put in a notice with my landlord for XX/XX/XXXX because I completed at the end of XX/XX/XXXX what I was asked to do in order for my file to move forward to underwriting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: PNC Bank N.A.
State: VA

Complaint narrative:
PNC bank failed in the electronic funds transfer that has been in place for over 24 months at the time of origination. I had made Principle only payment on XX/XX/XXXX and again on XX/XX/XXXX. The customer service representative did something wrong and my EFTs stopped. I was unaware of the problem until I received a Late payment notice. 
Monthly Payments - {$500.00} I called and spoke to XXXX XXXX in Loan servicing about the problem., and he assured me that the problem was corrected. 

In XX/XX/XXXX I received another Late payment for being late for two months. 
I again called and spent 2 hours trying to resolve my issue. 
After trying to reestablish my EFT, it was determined that my account was frozen and the only way to become current was to send in via a check payment. 
The stated reason was that PNC IT systems were not sync and an upgrade caused the EFT to stop. 
The resolution that XXXX XXXX am I worked out was to pay off the entire loan. 
The Loan was paid off via an EFT - XXXX. 

The title has been received. 


When I paid off the loan XXXX XXXX again assured me that my credit would not be impacted. 
I check my XX/XX/XXXX Credit score and it was XXXX. The Credit Score in XX/XX/XXXX is now XXXX. 

I have an escalation pending with PNC Bank I opened the escalation on XX/XX/XXXX. 
XXXX XXXX XXXX, VP is the representative XXXX XX/XX/24 Called PNC - XXXX XXXX about the credit report. 
He could not open my escalation file. 
Had me call XXXX the main PNC bank number Been on hold for 20 minutes while going through VRI system to get to Escalation department. 

Spoke to XXXX XXXX XXXX - she was out for XXXX from XX/XX/XXXX to XX/XX/XXXX. 
She said a letter was send stating my credit was negatively impacted. I did not get the letter through USPS. 
Requested that the letter be emailed to me. 
Requested the name of her boss for further escalation - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: MO

Complaint narrative:
I sent the credit reporting agencies XXXX and Experian, the police reports, documents from the courts, alone with a fully executed fraud package document and all the other documentation required to block an account that doesn't belong to me. The account Is XXXX XXXX XXXX XXXX. Instead of removing or blocking the account, it was put in dispute status. By law this trade line was suppose to be off the credit file within 48 hours of receipt of the documents submitted.

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 2018-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sold an item on XXXX XX/XX/2018 and Buyer claimed they did not receive item which was false because the XXXX tracking proves that they received and even signed for the shipment. This transaction was done through Paypal and they took {$240.00} from my Paypal account stating that the buyer filed a chargeback! After about 75 days they told me that the buyer 's financial institution decided in the buyer 's favor on XX/XX/2018 .Paypal Seller protection is for ( Charge backs and Fraud cases )? I asked did you all really divulge the XXXX tracking information to the bank because if so there should not really be a problem since the shipment was delivered and signature is file. Paypal refuses to stand up for their seller protection policy and won't give me the name of the financial institution that they say has my money so that I can communicate with them and prove that the shipment was delivered and signed for.Now I am out of the item plus the {$240.00} Please help me resolve this problem! Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I cant acces my bank acc from 3rd prty

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I took out a payday loan with Amscot For {$500.00} plus XXXX in fees on XX/XX/XXXX. Because it was less than seven days until my next pay period, my due date was for XX/XX/XXXX. I called on XX/XX/XXXX and sought help for repayment of this loan. I have borrowed from this XXXX off and on over the past few years and never had a problem repaying the loan, unfortunately within the past month I had suffered some financial set backs. At the lime I requested help on the XX/XX/XXXX the only thing that was offered to me was until the XX/XX/XXXX as  they could not hold my check more than 31 days. I accepted this at face value and tried to figure out a way to come up with the funds, but was unable to. I called today one day before the loan came due tomorrow, and asked If I could please be helped with an extended payment plan. I was told no, because they had already helped me, and I didn't qualify for an extended payment plan anymore. I advised I had {$3.00} In my bank account if they deposit the check it will bounce, wasn't there something they could please do. I want to pay the loan back, I always have and never before asked for help on repayment. XXXX then told me that once the check bounced then possibly they could make some kind of arrangement with me. How is costing me {$60.00} or more dollars helping me? Plus I have never had a bounced check with this account. I am a XXXX year old female that works hard. I was not told by them at the time I asked for help In the first place that there was a 60 day grace period if credit counseling was scheduled etc. per the State of Florida, I just read about this today, as I am so desperate I just started searching for help. Why did they not inform me of this the first time I asked for help, why must I bounce a check to get help, I feel that this was deceptive on their part? I have until tomorrow before they deposit same. Could I please get some Intervention so I can remedy this without it costing me even more money, and my reputation with my bank.

Pease help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief