vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I reached out to PNC Mortgage on XX/XX/19 to inquire about my escrow statement, and I believe they are in violation of RESPA. RESPA states that PNC can not collect more than one sixth of my annual escrow amount to hold as a cushion. My taxes this year were {$7900.00} and my insurance was {$970.00} ( {$8900.00} total ). We will have {$2000.00} in escrow after the XX/XX/XXXX payment. Our escrow is increasing to $ XXXX/month and they have also told us we have to pay a shortage of {$960.00}. The total for the next 12 months with these figures is {$11000.00}. That is an overage of {$2900.00} when our escrow payment is now {$740.00} ( 4 times the monthly escrow amount ). 

I'd like to confirm this is, in fact, a RESPA violation, and what recourse we have. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On or about XX/XX/XXXX/16, a hold appeared on my bank account. I say on or about XX/XX/XXXX because the bank website keeps information only for 24 months, but I know that the hold was placed between XX/XX/XXXX16 and XX/XX/XXXX/16. The hold is for {>= $1,000,000}. I asked Chase Bank to take off the hold, but they stated it was a government hold and I would have to wait. I have waited three years almost and the hold is still there. The balance in the account per Chase is {$2100.00} but the available balance is {>= $1,000,000}. I don't know what to do to get this hold removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: TX

Complaint narrative:
I contacted XXXX XXXX company to resolve a debt that was owed to XXXX XXXX. I was able to settle the amount, however was not able to get them to remove it from my credit report. I have recently paid off 5 other accounts with different collection agencies and all of them are stated that they are removing the items completely from credit report. This company stated that they will not and could not. They stated that they would not contact XXXX to see if they would be willing to remove. In addition to this when I asked to speak to a supervisor I was denied stating that the manager was busy and that I could continually call back in hopes of getting in contact of one. This practice seems to be unfair due to the fact that 5 out 6 are willing to remove and would like to get this removed as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC
State: OH

Complaint narrative:
The company letterhead known as " ditech Home Loans '' has been sending letters trying to collect a debt that was and is not ours.They have been called and I have told them that we never had a loan or mortgage with them. They then say that they bought our mortgage from XXXX XXXX and again we told them that I never heard of that company nor had any financial doings with a company of that name. Our mortgage was settled with payment in full back in 2013 and was not with either of the complaining companies. I have been a victim of identity theft and this is being reported to my already damaged credit.The letteres that they are sending are coming on a monthly basis and when I call them I get nothing but excuses and more fake information, even being vulgar at most times.Please help me stop this harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have a Capital One account, and had a balance transfer promotion on the account per a bathroom remodel. My line of credit on the card is $ XXXX, and the balance as of XX/XX/XXXX was {$8500.00}. I have since paid {$8100.00}. 

My issue is as follows : I moved in to temporary housing in XX/XX/XXXX and requested a change of address. The address was not changed and as a result I did not receive statements until the XXXX statement was forwarded by the post office. The account has been on auto pay since the commencement of the balance transfer promotion, which included a balance transfer fee. Capital One was receiving payments all along. I since called Cap One due to the forwarding label and old address reflected on the statement and they confirmed the address had not been changed as requested, but they would proceed to make the update. 

The address change issue led to my account being charged interest I believe for the months of XXXX, XXXX, XXXX, and XXXX due to the balance transfer offer having expired. I had no other transactions other than the promo. I called the customer service department twice speaking with XXXX and XXXX ( ID XXXX ). Both acknowledged the address issues and non receipt of statements being very apologetic. Yet, they indicated Cap One does not adjust interest charged. They totally refused to escalate the call indicating they are sr. representatives and that is where it stops because they do not have the ability to transfer calls to their own supervisor or to escalate matters further. 

I called the executive office as I feel I have been treated unfairly and discriminated against and they advised me that all escalations have to go through their general customer service department. This is a large bank and it is unfathmable that this is the way they operate their business and treat customers. I am requesting that the interest charged of {$350.00} be adjusted. Credit card companies are required to provide monthly billing statements to customers, and the fact that Cap One did not do this and conveniently the Balance Transfer promo was to expire makes me believe that it was intentional. I am disputing the interest charged and am requesting an immediate refund for the amount. This will bring my account balance to XXXX. 

I hope that you can assist me with this matter. 

Should you have any questions, I can be reached at ( XXXX XXXX XXXX. My new address is XXXX XXXX XXXX XXXX, XXXX DE XXXX. But, the new mailing address is XXXX. XXXX XXXX, XXXX  DE XXXX. 

Thank you kindly, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
This company is not licensed in Illinois to collect on a debt. The Illinois collection agency act ( XXXX ) requires that all debt collectors must have a license before being operational. The law also has a clause that regulates how a debt collector contacts a person and how they can communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
We have had significant damage to our house during the hurricane. We have received our insurance check we had to submit it to Vanderbilt mortgage as a third party on the check. We have been attempting to get things repaired on our house we have actually paid out of pocket for quite a few things and they are not reimbursing us nor paying the bills of the contractors that we have hired to perform the work. They currently owe {$720.00} for the tarping to be done on a roof {$300.00} for the fascia to be repaired {$4100.00} for the remaining of the roof replacement and they owe me over {$4000.00} for reimbursement for items that we have previously purchased with our own money out of pocket for flooring, flooring materials and paint. the policy on their website says that claims are processed within five to seven days this is not been the case as I have been sending them emails and calling several times a week to try and get things processed and it is taken over a month to get two of these invoices paid. I have sent them numerous pictures to show progress as they have asked for and we still have not received payment for the things mentioned previous. I have contacted our insurance company to let them know that we are not able to get items repaired on the house due to the mortgage company being delinquent on paying invoices and reimbursement. The insurance company is also trying to help with a resolution. there is also a law firm in town that is willing to help with people that are having these issues with a mortgage company and we have contacted them and are on their list to seek assistance. we can not continue to ask contractors to perform work and then not be able to pay them. After speaking with XXXX XXXX numerous times who is a manager with Vanderbilt mortgage he assured me that things were going to start getting paid. I have maintained a list and the dates of every time that I've called, who I spoke with and emailed Vanderbilt mortgage with no success.

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 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westcreek Financial
State: IL

Complaint narrative:
I saw on my XXXX  credit report that I had an account with West Creek Financial but I never opened one. After submitting a dispute through XXXX, I informed West Creek Financial about this situation where this account is not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. After 10 days of not hearing back from them, they emailed me saying my ticket has been resolved. But upon checking my XXXX  credit history, the balance on the account that is not mine increased and my credit score was negatively impacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/ 2019 I was overdrawn on my checking acct. ending in XXXX and I asked my husband to quick pay me enough money to cover. Now we have the same bank, Chase bank, same location and all so he quick payed me the money and my acct. was current. The next day I checked my acct and I was charged two {$34.00} overdraft fees! I called the bank right away and they said I didn't get the money to my bank on time??? I told them it was before XXXX XXXX eastern time and they said I had to have it on central time! Who the XXXX has the time to look into that?? When I check my acct. that day I was fine. I am tired if these banks finding every way possible to charge fees! They were able to credit the one fee but, I was requesting the other one as well because my bank was ok when it cleared! I want my {$34.00} back on my acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
At the beginning of XX/XX/2019 I pulled all three credit reports and found two issues on them that tanked my credit score. One account is not even mine, the other was paid off and closed years ago. I first disputed on-line with no success. They returned results that stated " all information correct and verified with reporting company ''. I then did a little research on how to have errors removed from your credit report, as well as spoke to an attorney that advised me to send certified letters to both companies asking that the accounts be verified with proof of that verification. One company ( A collection Agency ) refused the letter, the other sent me a response that said they had verified the information with the credit bureaus and was not required to provide any proof to me other than they verified my identity on this credit card ON-LINE. So apparently crooks don't open accounts on-line???!!! 
So I filed WRITTEN disputes to all three Credit Bureaus, sent them all Certified Mail, and just received a response from XXXX stating once again regarding the same account - " Information verified with reporting agency '' and nothing more. That's it??? Of course the reporting agency is going to " confirm '' that their information is correct, but don't they need to provide some sort of PROOF other than their word?!!!!! What more can I do as a consumer to have this addressed/investigated properly??? 
The other account that I am disputing flat out refused to accept the letter that I sent them certified. Now what? I've filed written dispute as well on this response, but have not gotten a response yet from any of the Credit Bureaus. 
I need assistance immediately in addressing XXXX  and their investigation processes. Both these items need to be removed immediately as neither of them have provided any type of proof/verification of accounts.

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 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
At the beginning of XX/XX/2019 I pulled all three credit reports and found two issues on them that tanked my credit score. One account is not even mine, the other was paid off and closed years ago. I first disputed on-line with no success. They returned results that stated " all information correct and verified with reporting company ''. I then did a little research on how to have errors removed from your credit report, as well as spoke to an attorney that advised me to send certified letters to both companies asking that the accounts be verified with proof of that verification. One company ( A collection Agency ) refused the letter, the other sent me a response that said they had verified the information with the credit bureaus and was not required to provide any proof to me other than they verified my identity on this credit card ON-LINE. So apparently crooks don't open accounts on-line???!!! 
So I filed WRITTEN disputes to all three Credit Bureaus, sent them all Certified Mail, and just received a response from XXXX  stating once again regarding the same account - " Information verified with reporting agency '' and nothing more. That's it??? Of course the reporting agency is going to " confirm '' that their information is correct, but don't they need to provide some sort of PROOF other than their word?!!!!! What more can I do as a consumer to have this addressed/investigated properly??? 
The other account that I am disputing flat out refused to accept the letter that I sent them certified. Now what? I've filed written dispute as well on this response, but have not gotten a response yet from any of the Credit Bureaus. 
I need assistance immediately in addressing XXXX and their investigation processes. Both these items need to be removed immediately as neither of them have provided any type of proof/verification of accounts.

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 2019-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello! My name is XXXX, and I have a problem with Carecredit card. I tried to make a payment on time to finish my debt, but they rejected my payment. I called the company and put me on hold and did not answer. Please, help. I want to get rid of this credit card as soon s possible. 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
Consumer complaint received 2019-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was about to purchase an XXXX train ticket online for XXXX travel. An offer popped up to apply for an XXXX credit card and receive multiple points for the ticket I was about to purchase. I filled out the form and received the message back, in effect, " sorry, but your application was denied ''. I proceeded to purchase the ticket with another credit card. I went out of town on XX/XX/XXXX, and have not returned home since due to medical reasons. On or about XX/XX/XXXX I logged into my Bank Of America credit card account and was astounded to see an XXXX credit card account! Of course, such an account was not opened or authorized, as the single time I filled in information to apply, the application was denied. And the account appeared with a balance, which of course was wrong since I never used a nonexistent account! I called Bank of America and spoke with a seemingly helpful rep who apologized and confirmed he would immediately zero out the account and delete it as if it were never opened, as of course it should not have been. Fast forward to yesterday, and I logged in to my Bank Of America account to confirm the error was rectified and account disappeared, only to find the account is STILL listed, with a balance. I engaged in an online " chat '' with a representative who again promised to rectify the error by zeroing out the account, permanently deleting it from any association with me. But I just checked, and it is still listed. This situation has now cost me hours of time and more importantly severe aggravation.

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 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a Checking account in Chase Bank on XX/XX/2019. I opened it online and there was an offer that if I make direct deposit of {$500.00} in first 60 days of account opening, then I will get bonus of {$200.00} within 10 days. While opening the account online, it says " COUPON APPLIED AUTOMATICALLY '' so i don't need to apply any coupon or visit the branch for the same. My first direct deposit was made on XX/XX/2019 ( {$2000.00} approx ). After that second direct deposit was made on XX/XX/2019 ( Almost same amount ). But I didn't get my bonus. I called customer care on XX/XX/2019 to enquire my bonus, they said that I did not applied coupon so I will not get the bonus. I explained them that the website is saying that coupon is automatically applied. Then they asked me to visit branch. I visited the branch on XX/XX/2019 and meet the relationship officer " XXXX XXXX ''. She said that as I opened account online so branch has nothing to do in it and sent an email to branch manager Mr. XXXX XXXX. Address of branch is XXXX XXXX XXXX XXXX XXXX, Il-XXXX. I got a call from the manager on XX/XX/2019 regarding same and he also tell me the same story of coupon. If the coupon is not applied, then it is the glitch on the bank end, then why should I suffer. 
Please help me to get my bonus. 
Thanks. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Corporation
State: SC

Complaint narrative:
Hello, Receivables Management Corp., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX, appears to be in violation of the Fair Credit Reporting Act. Receivables Management Corp. placed a negative collection account on my XXXX  credit report, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. Prior to Receivables Management Corp. placing the negative item on my reports, they made no attempts to reach me regarding the alleged debt. This alleged debt is also listed on my credit report with the Open Date as INVALID DATE and original creditor XXXX XXXX XXXX. I have no knowledge of either of these two companies and it appears that Receivables Management Corp. is continuing to report a negative account without complete or accurate information. There is no basis in law that gives this company or XXXX the right to place a negative unverified collection against me without adequately confirming the debt truly belongs to the individual FIRST. Therefore, I would like for this company to delete the negative listing and cease reporting this erroneous account to the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I saw on my TransUnion credit report that I had an account with XXXX XXXX XXXX but I never opened one. After submitting a dispute through TransUnion, I informed XXXX XXXX XXXX about this situation where this account is not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. After 10 days of not hearing back from them, they emailed me saying my ticket has been resolved. But upon checking my TransUnion credit history, the balance on the account that is not mine increased and my credit score was negatively impacted.

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