vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The first incident started on XX/XX/XXXX when {$840.00} was removed from my escrow account for the payment of homeowners insurance, however on XX/XX/XXXX {$930.00} was also removed for the payment of homeowners insurance. Obviously 2 payments were not necessary, it took approximately 1 month for Citimortgage to correct the problem and return the additional funds that were removed. All the while leaving my escrow account with less funds than it was supposed to have. The second incident occurred onXX/XX/XXXX and XX/XX/XXXX, when PMI in the amount of {$170.00} was erroneously removed from my escrow account. They had already removed the {$170.00} for PMI on XX/XX/XXXX which fulfilled the amount needed for the month of XXXX. I filed a " complaint '' regarding the extra funds being removed and have yet to have the money returned or given an explanation as to why after 13 years of having PMI, it was taken out more than once this month. I have grown tired of having " shortages '' in my escrow account due to the continued mishandling of my account. I urge you to look further into the errors being made by Citimortgage.

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 2017-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I received an alert from XXXX XXXX XXXX that a collection was added to my XXXX and XXXX credit report. I have never received a dunning letter from this company to validate or dispute, the account was just added to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
My late wife opened an account with Barclays Card for a XXXX XXXX rewards credit card. She used my name and information to open the account. She used the card and received and - supposedly - paid the statements, I never used the card or saw any statement from the account. My wife XXXX XXXX in XX/XX/XXXX. After she XXXX, I began going through financials and was receiving all of these credit card statements that I had not seen before or even knew about. I contacted Barclay to dispute the card but did not receive any response. I then hired an attorney to make a fraud dispute claim with Barclay in XX/XX/XXXX. My attorney contacted Barclay to issue the fraud claim and follow up on the claim on XX/XX/XXXX and requested a copy of the complete records and application for the account. On XX/XX/XXXX, Barclay mailed a copy of the credit application. The report provided by Barclay was a one page printout that only had basic information about me on it, including my name, DOB, income, mortgage expense, and address. There was no signature or anything else in that " application '' that could have been used as verification that I was the one opening the account. My attorney sent follow up correspondence to Barclay regarding our fraud claim on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Barclay has never responded to any of these letters, provided any response to our fraud claim, and continues to send monthly statements on this account. After my wife XXXX  away, the credit card has not been used, and I never used it at any point. I did not even learn that we had this account until after she XXXX XXXX. My attorney and I did make a telephone call to Barclay or its collection agency - I do not recall which as we were transferred around multiple times during the call. However, that call did not result in any meaningful response. This account and the excessive balance on the account has destroyed my credit score and has severely impacted my life. I have merely asked Barclay to close the account as fraud and wipe it from my credit report, but I have not received any amount of response or sign that they even investigated the claim.

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 2017-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
On XX/XX/XXXX received a telephone call from XXXX collection agent, XXXX # XXXX. She stated that I need to make a payment towards my mortgage and it was delinquent 15 months. First I told her that I was not delinquent 15 months as 3 months have not been credit to my account from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and further I was under review of a modification that was fully submitted on XX/XX/XXXX and waiting for a decision within 30 days. In a condescending tone, she stated that my modification was not guaranteed and my payment can go up. She further stated that since I was not making a payment I must not be able to show the bank that I am able to afford the house and therefore she is noted my account that I need to look into other types of programs such as deed in lieu. I told her that I was not going to be threatened by her and to speak to my Point of Contact. I was on hold for over 30 minutes and then hung up and called back 2 more times with no success. I contacted the HUD Department and waiting to hear back from them before next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: Motolease, LLC
State: CA

Complaint narrative:
In XXXX XXXX, I disputed inaccurate credit reporting with XXXX XXXX XXXX XXXX XXXX, who was reporting me late, which I was not. On XXXX XXXX, XXXX, XXXX XXXX XXXX updated my trade line as current. 
On XXXX XXXX, XXXX, I received a alert this same account was reported as delinquent 30 days and {$590.00} past due. I called on XXXX XXXX, XXXX, the office was closed. I sent a email to XXXX XXXX in an attempt to resolve this issue. She forwarded my email to XXXX XXXX. I called again XXXX XXXX, XXXX to speak to XXXX XXXX, I did not receive a return phone call. I called again XXXX XXXX, XXXX and spoke to XXXX, who stated he updated my trade line. I received another alert and it 's once again reported inaccurately. It 's now showing as a delinquent collection/charge off. This motorcycle was in a accident on XXXX XXXX, XXXX, and determined to be a total loss. XXXX XXXX XXXX received a check for approximately {$8100.00}, which left a balance of approximately {$2900.00}. This account is NOT delinquent, or a collection/charge off. I am seeking for XXXX XXXX XXXX to delete this trade line from my account immediately. Their actions have caused undue stress and the denial of a home loan.

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 2017-07-12 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: FL

Complaint narrative:
I have 4 duplicate XXXX XXXX XXXX tradelines on my credit report for the same two loans. I disputed these items with Transunion through the CFPB on XX/XX/XXXX after speaking with XXXX XXXX XXXX and receiving reassurance that they processed my documents and submitted everything to the XXXX XXXX XXXX. I completed the Loan Rehabilitation through XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Account # XXXX ) on XX/XX/XXXX, and my loan has been sold to XXXX XXXX ( XXXX XXXX ID : XXXX ). Part of the agreement with the Loan Rehabilitation is that the defaulted and duplicate accounts would be removed after I completed the program and the loans are consolidated and sold to a new servicer. I was promised that the accounts would be removed within 30-60 days of completion, it is now XX/XX/XXXX and the accounts still appear on my report. I will attach the documentation pertaining to both the removal agreement and the new loan servicer agreement. The rehabilitation document subsection pertaining to the removal of the defaulted loans is section 10. I would also like to mention the fact that during this entire process, since XX/XX/XXXX, I have been a XXXX XXXX and should have been able to defer my loans, but every deferment was revoked after 30 days or simply denied. This has been a nightmare, but I have followed the rules despite being mistreated by an institution that was supposedly created to support and empower citizens.

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 2017-07-12 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: FL

Complaint narrative:
I have 4 duplicate Department of Education tradelines on my credit report for the same two loans. I disputed these items with XXXX through the CFPB on XX/XX/XXXX after speaking with XXXX XXXX XXXX and receiving reassurance that they processed my documents and submitted everything to the Department of Education. I completed the Loan Rehabilitation through XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( Account # XXXX ) on XX/XX/XXXX, and my loan has been sold to XXXX XXXX ( XXXX XXXX ID : XXXX ). Part of the agreement with the Loan Rehabilitation is that the defaulted and duplicate accounts would be removed after I completed the program and the loans are consolidated and sold to a new servicer. I was promised that the accounts would be removed within 30-60 days of completion, it is now XX/XX/XXXX and the accounts still appear on my report. I will attach the documentation pertaining to both the removal agreement and the new loan servicer agreement. The rehabilitation document subsection pertaining to the removal of the defaulted loans is section 10. I would also like to mention the fact that during this entire process, since XX/XX/XXXX, I have been a XXXX XXXX and should have been able to defer my loans, but every deferment was revoked after 30 days or simply denied. This has been a nightmare, but I have followed the rules despite being mistreated by an institution that was supposedly created to support and empower citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: FL

Complaint narrative:
I have 4 duplicate Department of Education tradelines on my credit report for the same two loans. I disputed these items with XXXX through the CFPB on XX/XX/XXXX after speaking with XXXX XXXX XXXX and receiving reassurance that they processed my documents and submitted everything to the Department of Education. I completed the Loan Rehabilitation through XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( Account # XXXX ) on XX/XX/XXXX, and my loan has been sold to XXXX XXXX ( XXXX XXXX ID : XXXX ). Part of the agreement with the Loan Rehabilitation is that the defaulted and duplicate accounts would be removed after I completed the program and the loans are consolidated and sold to a new servicer. I was promised that the accounts would be removed within 30-60 days of completion, it is now XX/XX/XXXX and the accounts still appear on my report. I will attach the documentation pertaining to both the removal agreement and the new loan servicer agreement. The rehabilitation document subsection pertaining to the removal of the defaulted loans is section 10. I would also like to mention the fact that during this entire process, since XX/XX/XXXX, I have been a XXXX XXXX and should have been able to defer my loans, but every deferment was revoked after 30 days or simply denied. This has been a nightmare, but I have followed the rules despite being mistreated by an institution that was supposedly created to support and empower citizens.

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 2017-07-12 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: TX

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   continues  to report inaccurate information on my credit reports. Currently they have  XXXX  different accounts reporting on my   XXXX   report. I 've only had  XXXX  loan with them and the terms they are reporting is incorrect if. Per the Fair Credit Reporting Act, all items that are reporting incorrectly has to be removed.

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 2017-07-12 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: TX

Complaint narrative:
XXXX   XXXX   XXXX   XXXX    continu es to report inaccurate information on my credit reports. Currently they have  XXXX  different accounts reporting on my Equifax report. I 've only had  XXXX  loan with them and the terms they are reporting is incorrect if. Per the Fair Credit Reporting Act, all items that are reporting incorrectly has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report inaccurate information on my credit reports. Currently they have two different accounts reporting on my XXXX report. I 've only had one loan with them and the terms they are reporting is incorrect if. Per the Fair Credit Reporting Act, all items that are reporting incorrectly has to be removed.

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 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Today I tried to get my free copies of my Credit Reports from the three Credit Bureaus but lately I have not been able too. I am becoming very upset as to why I can not obtain these reports. It seems when someone else inquires they are able to receive the information I seek, but I can not. I have reason to believe there is something reported that they do not want me to see. I would like a copy of my free Annual credit report ASAP.

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 2017-07-12 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: IN

Complaint narrative:
On XXXX XXXX, 2017 I mailed a letter to Equifax regarding the overland bond. This account was previously disputed and removed from my credit report. However, it appeared on there again. I submitted them documentation from them that this account has been removed previously but no action was taken. I also sent them a police report as instructed by them for unauthorized inquiries on my name, No action has been taken with that as well. Today I received an email with an updated reported to find that XXXX other accounts XXXX XXXX and XXXX XXXX have been placed back on my report as well. I 've attached documentation for XXXX XXXX and XXXX to show the accounts were removed. I 'm unable to open the document to provide for XXXX XXXX as it is outdated on Equifax site. According to FCRA Equifax is suppose to give me a five-day notice if they are placing anything on my credit file which was previously removed. I did n't get any notice just the accounts placed back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have 2 public records that I asked to be validated due to the new law that on XX/XX/XXXX all Judgements will come off. I have a Judgement from XX/XX/XXXX and a BK from XX/XX/XXXX. I am trying to get these items off if allowed by law. I have contacted all 3 bureaus and none are being compliant. It is hindering me fron getting my daughter the loans she need for her educational needs.

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 2017-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
To whom it may concern, I have several collection accounts on my credit reports from a company named Consolidated Recovery SYstems. The accounts are listed for XXXX XXXX and XXXX XXXX XXXX. Please be advised that I am disputing these collections due to the fact that Consolidated Recovery Systems does not currently have a valid license to collect debts in Tn. The information is currently stating that their license is currently expired according to verify.tn.gov. I am requesting that you investigate the matter and immediately delete these accounts from my credit file or provide me with physical proof that Consolidated Recovery Systems are licensed to collect debts in TN. Your immediate response would be greatly appreciated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On X/X/17 at XXXX XXXX I went online to make a payment to pay my XXXX XXXX XXXX balance to a {$0.00} balance. I then reviewed my account and saw I was hit with a {$27.00} late fee And a {$1.00} Finance charge. When I contacted comenity I talk to 3 separate account managers all of them who said they will not remove my late fee because I paid the account 32 minutes after there cut off time. There is no where on the website that states their is a cut off time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted the 3 credit bureaus about incorrect inaccurate information reporting on my reports and have gotten no resolution. I have asked several times to provide me with method of verification and I do not receive it. I have disputed Bankruptcy information on my report that they refuse to investigate or remove.

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 2017-07-12 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: DC

Complaint narrative:
My PNC checking account overdrafted. I called customer service and the rep told me they could do a courtesy refund of the charges but that she was n't able to do it and the Money Management Team could process it. I had called before XXXX XXXX and she said they were only available between XXXX and XXXX. I  called back after XXXX XXXX and was told they would NOT issue the courtesy refund, contrary to what the original rep told me. They refused to honor her information and instead changed their actions after telling me I would be receiving a courtesy refund.

Company response to consumer: Closed with explanation