vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: DE

Complaint narrative:
My complaint is regarding Overdraft fees. PNC Bank processes debits before credit in their nightly processing. On XX/XX/XXXX I gave my sons daycare a check -- they deposited it to their bank on XX/XX/XXXX ( non-pnc Bank ). My direct deposit hit that night. But based on how PNC allocates their funds and processes debit before credits the account was overdrawn. This is a way for PNC to make additional fees and I feel this is very unfair practice for Customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: OR

Complaint narrative:
XXXX XXXX a debt collector shows up on my credit report when this is inaccurate. we called XXXX XXXX and provided the act # : XXXX at XXXX and they could not locate my name or account number, or phone number. We need to have this inaccurate debt removed from all credit bureaus, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: OR

Complaint narrative:
XXXX XXXX a debt collector shows up on my credit report when this is inaccurate. we called XXXX XXXX and provided the act # : XXXX at XXXX and they could not locate my name or account number, or phone number. We need to have this inaccurate debt removed from all credit bureaus, thank you

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 2017-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: MN

Complaint narrative:
The CBE Group is trying to collect a debt from me for the wrong amount for XXXX XXXX. I have asked them to validate the debt by providing me with the contract, detailed bill showing all of the charges because I do not agree with the amount. XXXX a rep there that I have talked to a number of times advised me that they do not have it and that they are not required by law to provide me with this information. I have been asking since XXXX. This bill started out at XXXX and then they sent me a notice for XXXX in XXXX, then this month they sent a notice stating I owe XXXX. The reason for this is because they state they have bought the same bad debt 3 times and charge me 18 % each time. I advised they have had this whole time and that they cant do this and XXXX advise " We can do what we want ''! I only owed them XXXX and I have offered to pay this but they will not except it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
The second mortgage was discharged in a chapter XXXX bankruptcy in XXXX and the debt was not reaffirmed. In XX/XX/XXXX, I reached out to the lienholder and offered a settlement of the debt. On XX/XX/XXXX, we submitted a complete review packet to the lender. On XX/XX/XXXX, the lender flatly refused the settlement offer. On XX/XX/XXXX, a new settlement offer was submitted to the lender. On XX/XX/XXXX, "  XXXX, '' our Single Point of Contact, said that they would likely counter to {$15000.00}. I requested they put that in writing, and they never did. On XX/XX/XXXX, they flatly denied the settlement offer again, and directed us to call XXXX XXXX with any questions. We submitted a third offer and they flatly denied it again in XX/XX/XXXX. A fourth offer and fifth offer were not reviewed - the lender confirmed receipt of documents, then days later sent denial letters based on a lack of the very same documents of which they had previously confirmed receipt. We submitted a sixth offer and review packet, and after weeks of review, we received a letter congratulating us on being selected for a loan modification - which would require us to reaffirm the debt which was discharged in bankruptcy. The letter even states that the request for settlement was not even considered because of the approval for a loan modification.

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 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Initially we applied for a mortgage modification back in XXXX with CitiMortgage, XXXXnc. Citi modified our loan reducing the interest rate from XXXX XXXX XXXX XXXX with an $ XXXX reduction in the monthly payment. And when I question XXXX XXXX, XXXX ext. XXXX, about the nominal decrease she insisted that that was the best they could do withstanding our XXXX XXXX  status. I was already XXXX and expected XXXX to XXXX soon. Nevertheless XXXX stood fast sayin that the we could submit a later request for a second modification. I do n't think we were treated fairly with the HAMP guidelines application. This modification was granted in XXXX XXXX with the first trial payment due XXXX XXXX, XXXX. 
Since XXXX eventually retired in XXXX XXXX, we submitted our second modification request in XXXX XXXX. We did n't get Citi 's decision until XXXX XXXX, XXXX. And only then after I vigorously complained knowing that we had submitted all documents and explanations in XXXX. Predictably Citi declined us and one of the  reasons given was that we had already exhausted the modifications available to us. Additionally we received an escrow analysis from Citi and on the backside it indicated that Citi had sold our loan as of XXXX XXXX, XXXX. After learning that XXXX XXXX XXXX was the new mortgage Company, they informed us that HAMP expired XXXX XXXX, XXXX while encouraging us to reapply for modification with them per their in house effort. XXXX subsequently declined us too. and we dealt with XXXX XXXX ; XXXXXXXXXXXX ; who really seemed like this was her first modification effort. So our first payment was due XXXX XXXX XXXX, XXXX, we received notice late XXXX that XXXX has now sold our mortgage to XXXX XXXX XXXX, XXXX effective XXXX XXXX, XXXX. We had already issued and mailed payment check to XXXX XXXX XXXXXXXX. we had like experience when Citi sold to XXXX. documents attached pertinent to Citi 's decline and our appeal was declined too. The property in question is XXXX XXXX XXXX, XXXX, Mo XXXX, our primary residence. Is there something strange going on with all of these unique transactions? I could n't get the documents attached.

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 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Focus Holding Company
State: GA

Complaint narrative:
I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH

Complaint narrative:
I have contacted Prestige on 2 different occasions ( once on XX/XX/XXXX another on XX/XX/XXXX ) requesting validation of the alleged debt per FCRA. This is not my debt. I 've gotten no reply to either letter sent. Prestige is reporting invalidated information to major credit bureaus and causing defamation of character and creating a hardship for me, while also refusing to respond to correspondance. On these grounds alone, I demand that this be deleted from the credit file immediately. I have given ample opportunity to allow Prestige time to validate this alleged account. Attached is letters sent to Prestige financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: OH

Complaint narrative:
I received 15 consecutive calls between XXXX and XXXX this afternoon ( XX/XX/XXXX ) from  XXXX. On Tuesday, XX/XX/XXXX, they called three times at XXXX XXXX. I have XXXX the number, researched it on a number of sites, and found that it is a medical debt collector. They did not leave a message on my voicemail. I have screenshots from my phone to document the calls, and can easily obtain records from XXXX XXXX, my cell phone provider. I have 18 calls this week. This is blatant harassment, and I should be financially compensated for this abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XXXX I went to XXXX XXXX to possible purchase a vechile. XXXX XXXX never informed me they would be having other banking financial run my credit. Now I am trying to refinance my house and this is holding me back XXXX XXXX XXXX XXXX TD Bank- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: POPULAR BANK
State: CA

Complaint narrative:
From the period XX/XX/XXXX through XX/XX/XXXX three requests for payoff information for this mortgage have made. Requests have been made by both the borrower and refinancing lender. In each occasion XXXX XXXX/Banco Popular has claimed it will take 7-10 business days to produce the information and it will only be provided by mail. After the first request they claimed that no previous requests were made and no information has been received. This is preventing me from refinancing and costing thousands of dollars as a result of their refusal to provide basic information.

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 2017-09-29 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: TN

Complaint narrative:
There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : XXXX, Transunion and 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 2017-09-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : XXXX, XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29 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: TN

Complaint narrative:
There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : Experian, XXXX and 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 2017-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I recently pulled my credit report and noticed a collection from XXXX XXXX XXXX with acct # XXXX. I have no knowledge of this account. I disputed this account with all 3 credit bureaus. This account is still on XXXX and XXXX. I do n't know what else to do, but this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harmon Law Offices, P.C.
State: MA

Complaint narrative:
I had filed bankruptcy to stop a foreclosure and filed in RI as it was closer than Ma and I had a XXXX XXXX and XXXX and could't get a ride to XXXX, the stay was not accepted due to many filings allegedly and after an emergency filing with the court and the court granting the stay the attorney XXXX XXXX of Harmon Law Offices PC refused to take the sale date down or remove the sale date, in edition a person who owns the home with me filed bankruptcy and he will not recognize his stay either. He said he is foreclosing and that is final! The judge scheduled a hearing on my emergency motion and he showed up after dropping paperwork off to my house the night before he claims he served me and he did n't my hearing was for my filing not his motion to be relived from the stay. He also asked the judge to make a decision on people living in my home without their being there to answer for themselves. He crossed the line and taking this personally.I want my stay recognized for what it 's worth as the judge stated he ca n't set a date until my appeal process is over and he XXXX states he will leave it and when appeal is over and I loose he will take my house. The is bad behavior on this attorney 's part and I am not taking this any longer.XXXX also states he delivered the paperwork to me before XXXX XXXX on X/XX/2017 and he is not telling the truth it was n't till almost XXXX XXXX that the paperwork was delivered. Also he put the foreclosure in my common law husbands name and he filed bankruptcy and owns the house and XXXX XXXX states he does n't have to recognize the stay. He is playing god with peoples lives and may even want the property as I ca n't understand why he is taking a person stance in my foreclosure. My house is nice and a lot of people want it but I built it and put down 250 K plus on my home the pick a payment loan just got to be too much. I was in the middle of a work out option I also stated the 2nd mortgage was paid in full and their is no 3rd mtg and XXXX stated to the judge that he know it to be fact that I do have a 2nd and a 3rd mortgage and why try to stop the foreclosure when I owe so much, but I worked very hard to pay off both the 2nd work out a payment plan on the 3rd and when the bankruptcy goes thru the balance to be wiped out and it 's not much XXXX XXXX. He painted a picture that was n't true. I am a single mom with XXXX boys and XXXX babies that live in my home along with an XXXX old man and I want to fight for what is right.

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 2017-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I had a FHA Mortgage and was doing a Short Sale with XXXX XXXX. My loan number with XXXX XXXX XXXX was XXXX and my loan number with Carrington Mortgage is XXXX and the property address is XXXX XXXX XXXX, XXXX, NY XXXX. 

The Real Estate Broker sold the property for {$240000.00} to a cash buyer ready to close but XXXX XXXX XXXX sold the property to Carrington Mortgage for {$680000.00} instead. 

XXXX XXXX and XXXX XXXX who work at Carrington Mortgage changed the lock on the house and lock the owner out of his house.XXXX XXXX tried to bribe the homeowner by promising to give {$10000.00} to the homeowner if he would sign the deed transfering the house to him.I have the email to prove it. 

Recently, XXXX XXXX broke into the house and renovated the house and listed the same house for XXXX This house is still owned by XXXX XXXX according to the property record.XXXX XXXX and XXXX XXXX should be arrested today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have many unauthorized ATM transactions on my checking account. I filed a dispute with Citibank. The person I was supposed to contact was never in when I called, and vice-versa. We played phone tag and then she apparently just gave up. My claim was denied because of this, over {$3000.00} of bogus charges. My days are often spent in the hospital for treatment and I 'm not usually around during normal hours. Also, I 'm XXXX and have to rely on XXXX XXXX. It 's frustrating to use. Now, the lady I was supposed to contact ca n't be the only person in all of Citibank that can help me. She could at least tell me what she needs from me so I can send it to her. I want this resolved!

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 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.

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 2017-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express Delta Sky Miles card. When billed {$95.00} annual fee I immediately called customer service on phone to cancel account. Talked to agent, expressed desire to cancel unless they waived fee. Was transferred to 'retention specialist ' line. Was on hold for > 20 minutes then call dropped. Went online, did the same on chat session. I tried at least five times with online chat and phone calls. I was finally able to cancel card, but by then their 30 day time limit to refund next year 's annual fee had passed. In one of the customer service conversations XXXX said would they investigate and respond in 60 days.
Amex effectively delayed cancellation of the card until the fee refund period was over. This behavior seems similar to XXXX making it extremely hard to cancel their service, for which the FTC dinged them, about ten years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
My mortgage was recently sold to XXXX. This will only be my XXXX payment to them of both of which have been on time based on the policy at the time. Now they are charging fees for what they consider " past the due date ''. Mine is " due '' on the XXXX. They start charging fees starting on the XXXX and they get higher the more the days go by. I am not disputing that a late charge could be due, but there are several issue. When my first statement came out, the " late date '' was considered to be the XXXX. One, I was never notified in writing on the change and certainly did n't agree to it. Two, I have never been late on it, so I do n't see how they have the right to change their policy. This is nothing but a money grab from a greedy company penalizing responsible borrowers. Please address this issue. Thank you.

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